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Company director mortgages

Company director mortgages

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Whole of market mortgage brokers based in London and helping our clients UK wide secure the best mortgage deal. We specialise in self employed and limited company director mortgages. As a company director, lenders can use your salary plus profit instead of salary and dividends to assess affordability. We also have access to lenders who offer mortgages based on 1 year trading history. As a limited company director, you are in a great position to get a mortgage deal as lenders can use more than one calculation to assess your affordability. Many lenders recognise that even if you leave some of your profits in your limited company's bank account, it is still your money and you could take it out later if you wish. They factor in this extra option when they stress test your affordability which works in your favour. This means that you can keep your salary and dividends low to optimise your taxes, but still use your salary and your company's profit figures to secure the mortgage you need.

category: Finance > Mortgage

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