⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏦 Access to 170+ lenders
BORROW MORE AS A COMPANY DIRECTOR — EVEN IF YOUR INCOME IS COMPLEX
For company directors — use salary, dividends and retained profits to borrow more
Fill in your details to get a call back today
BORROW MORE
Access higher borrowing than high street lenders
COMPLEX INCOME ACCEPTED
Salary, dividends and retained profits considered
GET APPROVED
Using lenders who understand company director income
Trusted By Company Directors Across The UK
HOW YOUR INCOME IS ASSESSED
HOW COMPANY DIRECTOR INCOME IS REALLY ASSESSED
Most lenders only look at basic income — which is why many company directors are restricted or declined.
But as a company director, your borrowing isn’t based on one number.👉 It depends on how your income is structured.
✔ Salary
✔ Dividends
✔ Net profit
✔ Retained profits
👉 Using the right lender and income structure can significantly increase how much you can borrow — even if you’ve been told no elsewhere.
EXPLORE HOW YOUR INCOME CAN BE USED:
Choose the option that best reflects your situation:
BEEN RESTRICTED OR DECLINED — EVEN WITH STRONG INCOME?
If your borrowing feels lower than it should be — you’re not alone.
Many company directors are told:
❌ Only your salary can be used
❌ Dividends aren’t fully counted
❌ Your income doesn’t meet affordability
❌ You can’t borrow as much as expected
👉 Even when your business is performing well
THIS IS WHERE LENDERS GET IT WRONG
Company director income isn’t always straightforward — and many lenders don’t assess it properly.
👉 It’s not just what you earn
👉 It’s how your income is structured — and who’s assessing it
WHAT THIS MEANS FOR YOU
👉 Your borrowing may be restricted unnecessarily
👉 You could be declined when you shouldn’t be
BUT THIS CAN CHANGE
With the right approach and lender:
✔ Your full income can be considered
✔ Your borrowing can increase
✔ 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
Most lenders assess company directors in a way that limits what you can borrow — or declines you outright.
Here’s how I approach it differently:
✅ I STRUCTURE YOUR INCOME CORRECTLY
Using salary, dividends and — where possible — retained profits
So lenders assess your true affordability
✅ I MATCH YOU WITH THE RIGHT LENDERS
Access to 170+ lenders, including specialist options
Not just the ones most brokers rely on
✅ I PRESENT YOUR CASE PROPERLY
Clear, accurate packaging of your income and accounts
So underwriters understand your case first time
✅ I HELP YOU BORROW MORE — NOT LESS
Avoiding restrictive lenders and unnecessary declines
Focusing on what you could actually achieve
This is why many company directors get approved — even after being declined elsewhere.
WHY COMPANY DIRECTORS CHOOSE TO WORK WITH ME
SPECIALIST MORTGAGE ADVICE FOR COMPANY DIRECTORS — DESIGNED TO HELP YOU BORROW MORE
✅ Access to 170+ lenders
Including specialist options most brokers don’t use
So you can borrow more
✅ Specialist in company director income
Salary, dividends and retained profits
Used correctly to maximise borrowing
✅ One-to-one service throughout
Direct support from start to finish
No confusion, no delays
✅ 30+ years’ experience
Helping clients across the UK
So you can move forward with confidence
GET THE RIGHT MORTGAGE — WITHOUT BEING RESTRICTED
Most lenders don’t assess company directors correctly.
I structure your income and match you with the right lenders
So you can borrow more — and move forward with confidence
Ready to see what you could really borrow?
✔️ UK-wide service • ✔️ No obligation • ✔️ Speak directly to a specialist
Company Director Mortgages: Borrow More With The Right Structure
A practical guide to understanding how lenders assess director income.
REAL RESULTS — HOW COMPANY DIRECTORS GET APPROVED
✅ DECLINED ELSEWHERE — APPROVED WITH THE RIGHT APPROACH
A company director approached me after being declined by their bank.
Despite strong business performance, the lender only assessed salary and dividends, ignoring retained profits — which significantly reduced their borrowing.
👉 By restructuring the case and placing it with a specialist lender:
They were approved and able to move forward with their purchase.
✅ BORROWED MORE — USING THE RIGHT STRUCTURE
A director was told they could borrow far less than expected, limiting their options.
Their income was split across salary, dividends and retained profits — but only part of this was being recognised.
👉 By selecting the right lender and structuring the application correctly:
They were able to borrow significantly more than originally offered.
✅ ONE YEAR ACCOUNTS — STILL APPROVED
A newly incorporated company director was struggling to find a lender due to having only one year of accounts.
Most high street lenders declined or restricted the application.
👉 By approaching lenders who accept shorter trading history:
They secured a mortgage and moved forward without delay.
YOUR MORTGAGE — MADE SIMPLE, CLEAR AND STRESS-FREE
A SIMPLE, STRUCTURED APPROACH — DESIGNED TO GET YOU APPROVED
📞 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
Most problems don’t come from your situation — they come from using the wrong lenders or approach.
FIND OUT WHAT YOU CAN REALLY BORROW — BEFORE YOU APPLY
📞 Call Me Now
Speak directly for clear, no-pressure advice
✉️ Email Me
Send your details and I’ll get back to you
Send Your Enquiry by Email
West Wales Money Ltd is registered with the Data Protection Act 1998 registration No ZA579253 and is authorised and regulated by the Financial Conduct Authority under Firm Reference No:1005183 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference No: 786245 and registered with the Data Protection Act 1998 registration No: ZA178200.
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.