Mortgages for business owners, judged on the business.
Directors, founders and shareholders often pay themselves tax-efficiently, which makes personal income look modest. We work with lenders who look at company profit, retained earnings and your shareholding.
Loans from £500,000 · Whole of market including private banks · UK & international clients
Your income, as the business sees it
Salary and dividends rarely reflect what a business owner earns. Selected lenders will use your share of net profit, including retained profit, and private banks can take business value and liquidity events into account.
Read: boosting borrowing capacity for directors →
- Share of net profit used instead of salary and dividends
- Latest year figures where the trend supports it
- Post-exit and liquidity-event lending
- Interest-only and private bank options
Frequently asked
How many years of accounts do I need?
Typically two, but some lenders will consider one year, or a three-year average where it helps.
Can lenders use retained profit in the company?
Several will use your share of net profit before dividends, which can increase borrowing significantly.
Do you charge a fee?
For UK residents, we do not typically charge a broker fee for first-time buyers or on loans over £1m. Any fee is agreed in writing before we start, and lender fees are set out clearly before you proceed.
Discuss your mortgage as a business owner
Tell us the outline of your purchase or refinance and we will come back with indicative terms. No call centre, no obligation.