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COMPANY DIRECTOR MORTGAGES — USE DIVIDENDS TO BORROW MORE
Access specialist lenders who accept dividends and retained profits to help you borrow more
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BORROW MORE
Borrow more using your dividend income
COMPLEX INCOME ACCEPTED
Salary, dividends and retained profits used to maximise your borrowing
GET APPROVED
Matched with lenders who specialise in company director income
Trusted By Company Directors Across The UK
WHY YOUR BORROWING IS LOWER THAN IT SHOULD BE
Most lenders assess company director income incorrectly — often reducing your borrowing by tens of thousands.
❌ Only salary is used
❌ Dividends are not fully recognised
❌ Retained profits ignored
❌ Income assessed too conservatively
❌ Automated decisions miss your true affordability
This is why many company directors are declined —or approved for significantly less than they should be.
The issue isn’t your income — it’s how lenders assess it.
With the right lender and approach, your full income can be used — unlocking the borrowing you should have access to.
BEEN RESTRICTED OR DECLINED — EVEN WITH STRONG INCOME?
If your borrowing feels lower than it should be — you’re not alone. Many company directors experience this.
Many company directors using dividends are told:
❌ Only your salary can be used
❌ Dividends aren’t fully recognised
❌ Your income doesn’t meet affordability
❌ You can’t borrow as much as expected
👉 Even when your business is performing well — which can be frustrating when you know you should be able to borrow more.
Dividend income is often assessed incorrectly — especially by high street lenders.
👉 It’s not just what you earn
👉 It’s how your dividends are interpreted
WHAT THIS MEANS
👉 Your borrowing may be restricted unnecessarily — or reduced without clear explanation
👉 You could be declined when you shouldn’t be
BUT THIS CAN CHANGE
With the right lender and approach:
✔ Your full income can be considered
✔ Your borrowing can increase — sometimes significantly
✔ You can move forward with confidence
If this sounds familiar, the next step is simply to see what’s actually possible for you.
HOW I HELP YOU GET APPROVED — EVEN WHEN OTHERS CAN’T
The difference isn’t your income — it’s how it’s structured and presented to lenders.
Here’s how I get you approved:
✔️ I STRUCTURE YOUR INCOME CORRECTLY
So lenders assess your full affordability — not just part of your income
✔️ I MATCH YOU WITH THE RIGHT LENDERS
So you’re not restricted by lenders who don’t understand company directors
✔️ I PRESENT YOUR CASE PROPERLY
So underwriters understand your situation first time — avoiding delays or declines
✔️ I HELP YOU BORROW MORE — NOT LESS
Focusing on what you could achieve — not what lenders try to limit
This approach is why many clients are approved — even after being declined elsewhere.
WHY COMPANY DIRECTORS GET APPROVED — EVEN WHEN OTHERS CAN’T
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
SPECIALIST MORTGAGE ADVICE FOR COMPANY DIRECTORS — HELPING YOU BORROW MORE
✅ Access to 170+ lenders
👉 So you’re not limited to a small panel — giving you more options and a higher chance of approval
✅ Specialist in company director income
👉 So your salary, dividends and retained profits are used correctly to maximise borrowing
✅ One-to-one service throughout
👉 So you get clear, consistent advice — without confusion or delays
✅ 30+ years’ experience
👉 So you can move forward with confidence, knowing your case is handled properly
✔️ UK-wide service • ✔️ No obligation • ✔️ Speak directly to a specialist
HOW COMPANY DIRECTORS INCREASE THEIR BORROWING USING DIVIDENDS
✅ 1. DECLINED ELSEWHERE — APPROVED USING DIVIDENDS
A company director was declined by their bank despite strong business performance.
The lender only used salary — ignoring dividends and retained profits.
👉 By restructuring their income and using the right lender: Approved after being declined
✅ 2. BORROWED MORE — USING DIVIDENDS
A director was told they could borrow far less than expected.
Their income included dividends — but these weren’t fully recognised.
👉 By using a lender that correctly assessed dividend income: Borrowing increased significantly
✅ 3. DIVIDENDS + RETAINED PROFITS — MAXIMISED BORROWING
A company director had strong profits but low salary.
Most lenders restricted borrowing based on salary alone.
👉 By using dividends and retained profits correctly: Maximum borrowing unlocked
A SIMPLE, CLEAR PATH TO GETTING YOUR MORTGAGE APPROVED
A simple, structured approach — designed to get you approved and moving forward
📞 STEP 1: DISCOVERY CALL
We understand your income, goals and current situation
So we can identify what’s actually possible for you
🔍 STEP 2: RIGHT LENDER STRATEGY
We match you with lenders who understand company directors
Helping you avoid restrictions and increase your borrowing potential
📄 STEP 3: STRUCTURED APPLICATION
Your case is packaged and presented correctly from the start
Reducing delays and increasing your chances of approval
✅ STEP 4: FULL SUPPORT TO COMPLETION
I manage the process from application through to offer and completion
So you can move forward with confidence — without the stress
FIND OUT WHAT YOU COULD REALLY BORROW — BEFORE YOU APPLY
Some lenders may consider retained profits, alongside salary and dividends, when assessing mortgage affordability for company directors. Lending criteria and eligibility are subject to individual lender policies and underwriting.
📞 Call me now
Speak directly with a mortgage specialist
✉️ Email me
Request a callback at a time that suits you
Eligibility for a mortgage is subject to status, credit checks, and affordability assessments in accordance with FCA regulations.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.