Limited Company Directors are often left frustrated when mortgage lenders overlook the true strength of their business—simply because their income is structured efficiently on their accountant’s advice.

One of our clients, a doctor and sole shareholder of his Limited Company, was looking to purchase a £1.5 million new-build home. He needed a mortgage of £1 million. His income—made up of a director’s salary and dividends—totalled £150,000. Based on this, several advisers and lenders told him he’d be limited to borrowing around £750,000. That shortfall meant he couldn’t proceed.

While his latest year’s profits were temporarily down due to Covid disruption and business investment, the company had over £2 million in retained profits. Traditional lenders weren’t willing to look beyond the most recent set of figures—and didn’t take time to understand the bigger picture.

We took a more holistic view. By analysing the full accounts and cross-checking the company’s recent turnover through business bank statements, we demonstrated that the business had already returned to pre-Covid performance levels. We presented the case to a lender that was willing to assess company profits instead of just salary and dividends—and was comfortable with the temporary dip in income.

We secured the full £1 million mortgage at a competitive rate. The client was able to buy his dream home without needing to withdraw additional funds or change the way he ran his business.

Specialist advice matters—especially for Limited Company Directors. It’s not just about who you speak to, but how your case is presented. With the right knowledge, preparation, and lender relationships, what seems impossible to some becomes achievable.

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. To make matters worse, they waited over two weeks for an Agreement in Principle that never materialised. The lender then asked for extra documents from HMRC, which could take several more weeks. Meanwhile, the property they loved was at risk—and they were beginning to think they’d have to draw out 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 had the mortgage offer issued within seven working days—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 makes all the difference. It could mean the ability to borrow more, access better rates, and move faster—before the opportunity slips away.