Arranging a mortgage as a Limited Company director can be tough—especially when your income is structured for tax efficiency. We often hear from business owners who’ve been turned down elsewhere, not because they can’t afford the mortgage, but because their application didn’t reflect the full picture.
One such couple—both dentists and co-owners of a successful dental practice—wanted to upsize to a £675,000 home for their growing family. They planned to put down a 10% deposit, keeping funds aside for renovations and a financial buffer. On the advice of their accountant, they only drew modest salaries and dividends compared to their profit —around £50,000 each.
Another adviser told them they could borrow no more than £500,000, based solely on that income. They waited over two weeks for an Agreement in Principle that never arrived. The lender then requested additional documents from HMRC, which could have taken several more weeks. Meanwhile, the property they loved was slipping away—and they were beginning to think they’d have to draw more dividends, pay more tax, or walk away entirely.
When they came to us, we immediately recognised that their retained profits told a very different story. Rather than relying on salary and dividends, we worked with a lender that considered company profits as income. We gathered the necessary documents and secured an Agreement in Principle within two working days.
We moved swiftly to full application, and the mortgage offer was issued just seven working days after submission—at 90% loan-to-value, just as they’d hoped. They secured the home they wanted, avoided unnecessary tax, and saved weeks of delays and uncertainty.
For Limited Company Directors, the right advice can make all the difference. It could mean the ability to borrow more, access better rates, and move faster—before the opportunity slips away.
Mortgage outcomes depend on individual circumstances and lender criteria. Not all clients will be eligible for the same borrowing levels, rates, or turnaround times.
