ASK ALANMORTGAGES
Business Owners & Directors

What your retained profit could mean more borrowing.

If you run a limited company and retain profit for tax efficiency, the high street will underestimate what you can borrow. The right specialist lender can use salary + net profit, not just salary + dividends. This changes things.

Initial consultations are completely free of charge. There's no obligation to proceed and our broker fee of £495 will only become payable if we proceed to a full application.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In brief
  • Salary + share of net profit assessment
  • Multiple company directors covered
  • Complex income structures modelled before application
  • Access to private bank and specialist lenders
  • Accountant liaison if needed
Common questions

Questions about Mortgages for Business Owners & Directors

High Street lenders generally look at salary and dividends only. If you retain profit in your company (as many tax-efficient directors do), that retained profit is invisible to them, so your assessed income is artificially low.

Talk to me before you decide anything.

Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.

Initial consultations are completely free of charge. There's no obligation to proceed and our broker fee of £495 will only become payable if we proceed to a full application.