Mortgages for Limited Company Directors. Done by an Expert.

Get a fast decision on a 95% mortgage based on your company’s profits and not just your own income

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A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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What can you expect

Get access to 1000s of mortgage rates from across the market in 3 simple steps

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Free Initial Assessment

Answer a few questions about you
and your preferences. This initial
call usually takes about 30 min.

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Tailored Mortgage Deal

We’ll present you with some of the
best mortgage deals and guide you
throughout the process.

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Approved by Lender

Congratulations! You now
have a better deal and you
can start saving.

Mortgages for Company Directors

Most mainstream banks tend to be more cautious when it comes to mortgages to Limited Company Directors. They assume that your income fluctuates more than a full-time employee, and that businesses in general will suffer more from the cost-of-living crisis and be at the mercy of the economy.

This is where an expert mortgage broker can help you, and direct you to those lenders, whether mainstream or specialist lenders, that understand what a “Limited Company Director” is, and want to get to know you and your business.

Through an expert mortgage broker you can unlock:

Affordability based on retained company profit, and not just dividends, in order to borrow more

Mortgages up to 95% LTV; remember though that a larger deposit may give you access to better rates; and it may be required is less than perfect credit score, or limited trading history

Trading history from 1 year or less possible, depending on the previous track record, or if you can evidence future income from contracts

Ability to raise funds with a remortgage to reinvest into your business or consolidate your business’ debt, or for other purposes such as home improvements or buying a new property.

Why choose us?

At Your Mortgage Experts we are specialist in arranging mortgages for business owners whether you are a Sole Trader, a Director of a Limited Company, a Self-Emlpoyed Contractor, or a Limited Liability Partnership.

How our expertise could benefit you:

  • We work with accountants regularly, with the knowledge and experience to understand your company accounts, how you receive your income, and the value that your business generates. You will not get this expertise if you just approach your local bank or try to find your own mortgage online.
  • We have the experience to present your business accounts to a mortgage underwriter in the correct way. We can get you a mortgage not just based on your salary and dividend but also looking at the net profit of the business. And if you are a new business owner with only one year of company accounts, we can also consider that.
  • We have access to 1000s of mortgage product deals from a large number of mortgage lenders, including specialist lenders that best understand the more complex needs of business owners and limited company directors.

Looking for a Limited Co Buy-to-Let Instead?

If you are looking to buy a rental property through a limited company different rules will apply:

  • The amount that you can borrow will depend mostly on the rental income from the property; and not on your personal earnings
  • Lenders prefer that a BTL property is owned by a dedicated Ltd Co, created exclusively to own properties
  • For more information contact us and we can discuss best options

Why us

Ready to get a mortgage? We’ve got you covered! From understanding how it works to comparing the available rates on the market, we’ll guide you through the entire process.

Expert at your service

Make well-informed decision.
With 20 years experience in financial services and in the property market,
you will get the reassurance you need.

Tailored advice

Save you money and time.
We will de-mystify the complexity of
mortgages for business owner and
navigate through the criteria and
options available to you.

Hassle-free experience

24/7 mortgage status updates.
The entire process will be done
through HomeBuyer app to keep you

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Some of our happy clients

Hear what our happy clients say about us. We have helped company directors just like yourself.

Alexandra Adela Pelivan
Alexandra Adela Pelivan
19 May 2023
We worked with Luca for our first ever house buy. He is very knowledgeable and really works hard to provide you with the best solution for your needs. He answers calls and emails promptly and is there for you if you have any additional questions! He even contacted us when a better offer was available on the market and quickly applied for it so that we can get a better deal. Thanks Luca!
abiharan sivanadarajah
abiharan sivanadarajah
21 April 2023
I encountered Luca's services via Google and haven't regretted my choice. He has methodically, expertly and calmly navigated through a rather difficult set of circumstances to get me a mortgage offer for my property purchase. In this time he has navigated various hurdles including the potential expiration of the offer by working tirelessly with the lender to ensure I'm happy. I would highly recommend Luca's services if you're looking to secure a mortgage with the best possible rate. He is honest and open and works in your best interest.
Nathan Paterson
Nathan Paterson
8 April 2023
Luca was simply fantastic from start to finish as a mortgage advisor. He was readily available to answer my queries, a true expert in his profession, and a trusted source of invaluable advice in my home-buying journey. I highly recommend his services.
Virga Virga
Virga Virga
6 April 2023
I had the pleasure of working with Luca Bertolino recently and cannot recommend his services highly enough. As I was having remortgage i was nervous about the mortgage process and had many questions. Luca was patient, knowledgeable, and incredibly helpful throughout the entire process. From our initial consultation to the final closing, Luca was always available to answer our questions and provide guidance. He took the time to explain the different types of mortgages and helped us find the one that was the best fit for our financial situation. Additionally, Luca went above and beyond to ensure that the process was as smooth and stress-free as possible. He kept us updated on the progress of our application and worked closely with the lender to make sure everything was on track. Overall, I had an excellent experience working with Luca and would highly recommend him to anyone in need of a mortgage advisor. His professionalism, expertise, and dedication to their clients make him stand out in a crowded industry. Virginia
Lorenzo Bencivenni
Lorenzo Bencivenni
24 March 2023
Thank you so much to Luca of Your Mortgage Experts. Buying a property is really stressful, but Luca made it really easy for me and my partner. Really knowledgeable and always professional and available. I recommend him to everyone that is going to the same process. Thanks again
Rachael Cole
Rachael Cole
20 March 2023
Luca has been brilliant throughout the entire mortgage application process; offering explanations and advice in a clear, concise and friendly manner. He acted quickly and efficiently when needed and within my best interests. Would highly recommend, especially to first time buyers.
Joshua Le Cornu
Joshua Le Cornu
21 February 2023
Luca was excellent and provided great service from the start. Made the mortgage application process smooth and offered well thought out advice on numerous different aspects!
Aleksandra M.
Aleksandra M.
26 October 2022
Luca is amazing broker! No matter where you look you won’t find a better broker then him. He is so passionate and determined to do his job properly and in the timely manner.He ensured us that we understood the process and he explained very well every step of the way.He dedicated his time to us and we are very thankful to him.He is so polite, kind and pleasant.He is the person who you can trust.It was our first mortgage and it went very smoothly.He knew it exactly who would be the best lender for us and with who to apply.And the best of all his prices are very affordable compared to others. We would recommend Luca to anyone. One of the best customer experience ever! Words cannot explain our satisfaction and happiness.

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