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If you’re a limited company director, getting a mortgage isn’t always as straightforward as showing a payslip. We help directors understand how lenders assess income and find a mortgage that fits their structure.
At The Mortgage Heroes, we understand how different lenders assess director income. We’ll help you present your finances clearly and match you with lenders whose criteria suit how you pay yourself.
A limited company director mortgage is for people who run their own limited company and may take income through a combination of salary, dividends, and sometimes retained profit.
One of the biggest misconceptions is that directors can only borrow based on their basic salary and dividends. In reality, some lenders assess income using the director’s salary plus their share of net profit, and in certain cases retained profits can also be considered. This can significantly increase borrowing potential depending on the lender.
Lender criteria varies, but many limited company directors may be eligible if they own or co-own a company, have income drawn through salary, dividends, or both, and can provide company accounts. Lenders will also look at profitability, sustainability, and personal credit profile.
If your income structure is more complex, that doesn’t automatically rule you out. We’ll help you understand what different lenders are likely to accept.
We focus on presenting your income in the strongest possible way.
We talk through your role, income structure, and mortgage goals.
We assess salary, dividends, and retained profit where applicable.
We identify lenders whose criteria suit limited company directors.
We explain your borrowing options in plain English.
We manage the application and liaise with your accountant if needed.
Director income can be less predictable than a standard salary. Reviewing protection can help safeguard your home and income if circumstances change.
This depends on the lender. Some use directors salary and dividends, while others use directors salary and net profit.
Retained profits can also be considered on a case by case basis.
Often yes, but some lenders may consider less with the right circumstances.
Some work with one year
Yes. This will depend on trading history and overall affordability.
It can. Ownership percentage and company performance both matter.
Yes. The same income assessment applies to purchases and remortgages.
Sometimes. We’ll guide you on what evidence may be required.
Explore blogs covering income assessment, accounts, and how lenders view director earnings.
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