Company Director Mortgages With Lower Rates Than You’ll Find Elsewhere
We work with lenders that other brokers can’t access, so you can borrow more, pay less and get the home you really want.
Larger Mortgages
Borrow more with a mortgage based on profits, not just dividends
Cheaper Rates
We have access to broker only exclusive mortgage rates
Fast Decisions
Call now and get a same-day
mortgage approval
You might think that being a company director would make it easy to get a mortgage.
The reality is that company directors often find themselves unable to secure the loan they require from their existing bank.
If you have recently applied for a mortgage, then you may have already found this out the hard way.
The problem faced by company directors and business owners is that your income is often more complex than that of an employed applicant. Lenders typically calculate the maximum loan they will offer you based on a historical average of the dividends you have withdrawn from your company.
You may have decided not to withdraw all your profit as dividends, because why take dividends that you don’t need if that’s going to push you into a higher rate tax band?
The net result is that you are offered a maximum loan that can be half the size of that offered to an employee earning the same income.
That’s why you need to talk to an expert in sourcing mortgages for company directors. Someone who can properly assess your income, decide how best to present your case, and then find you a lender that is going to say yes.
This is where we can help.
We have access to lenders that can consider your share of profit, not just the dividends that you have withdrawn. We have relationships with banks that will look at your latest year’s profit in isolation rather than a historical average. We also work with lenders that that will consider your pre tax rather than post tax profits.
We have access to thousands of mortgage products from 120 lenders, many on exclusive rates.
We have a proven track history in securing the largest possible loans on the lowest terms for company directors and business owners.
To request a free consultation with one of our advisers, just complete our short contact form or give us a call on 0345 873 1234.
Why Choose Us?
Bigger Choice
We work with a huge range of mortgage providers, from high street banks to niche lenders and private banks. Our large network of lenders means that we have more options available to find the best deal for you.
High Approval Rates
Often a company director’s mortgage application will be turned down simply because it hasn’t been presented to the correct lender. We only ever apply for a mortgage knowing that the case fits a lenders criteria. Additionally, we have direct relationships with all the banks in our network. This enables us to often secure deals outside of standard lending policy.
Borrow More
We have access to lenders that can consider your share of profit, not just the dividends that you have withdrawn. We have relationships with banks that will look at your latest year’s profit in isolation rather than a historical average. We also work with lenders that that will consider your pre tax rather than post tax profits. We will quickly identify the lender that will offer you the largest mortgage, based on the structure of
your earnings.
Pay Less
We will always aim to source the lowest cost mortgage that fits your criteria. Our expert brokers can often find solutions with prime lenders for clients who thought that their only option was to secure a more expensive deal with a specialist bank. Furthermore, we have access to exclusive mortgage deals that you often won’t be able to secure directly from your own bank or broker.
Save Time & Hassle
Our streamlined approach ensures deals are secured quickly and efficiently. Typically, we can secure an ‘agreement in principle’ the same day. With a small team of brokers, we pride ourselves on offering a personal and bespoke service. We handle your mortgage application from start to finish, liaising with all relevant parties on your behalf until completion. Our aim is to make your mortgage application process as stress free as possible.
Exclusive deals across the UK mortgage market
We have access to the following lenders and many more…
Case Studies
£1M MORTGAGE FOR A COMPANY DIRECTOR WITH RECENT LOSSES
£600K MORTGAGE FOR COMPANY DIRECTOR WITH LESS THAN 20% SHAREHOLDING
Let’s Make Things Happen
Our experienced team are experts at sourcing Company Director Mortgages with lower rates than you’ll find anywhere else.