SPECIALIST
COMPANY DIRECTOR
MORTGAGES
Borrow More | Use Salary | Dividends | Retained Profits | Pension Contributions
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TRUSTED BY HOMEOWNERS, DIRECTORS & PROPERTY INVESTORS
WHY SOME COMPANY DIRECTORS CAN BORROW MORE?
Whether you're buying your first home, moving home, remortgaging or investing, choosing the wrong lender could affect much more than your monthly payment.
It could limit the property you can buy, reduce the amount you can borrow or delay plans you've worked hard to achieve.
Buy a Smaller Home Than You Want
If your income isn't assessed correctly, you could qualify for less than you're actually capable of borrowing.
Miss Better Mortgage Deals
Different lenders have different products and affordability criteria. Choosing the wrong lender could mean paying more than necessary.
Delay Your Plans
Choosing the wrong lender or making an unsuccessful application could delay your move and create unnecessary stress.
Fortunately, with specialist mortgage advice and access to the right lenders, these situations can often be avoided.
WHY SOME COMPANY DIRECTORS CAN BORROW MORE?
Mortgage lenders don't all assess Company Director income in the same way. While some only consider salary and dividends, others may also take retained profits and employer pension contributions into account when assessing affordability.
Salary & Dividends
Many lenders only assess salary and dividends, which may not fully reflect your income.
Retained Profits
Some specialist lenders may also consider retained profits, which could increase your borrowing potential.
Pension Contributions
Some specialist lenders may include employer pension contributions, which could further increase your borrowing potential.
Every lender has different affordability criteria. By recommending lenders that understand Company Director income, I can help you find the mortgage solution best suited to your circumstances.
IS SPECIALIST MORTGAGE ADVICE RIGHT FOR YOU?
Every Company Director's income is different. If any of the following apply to you, specialist mortgage advice could help you access more suitable mortgage options.
Low Salary
Paid a low salary? Some specialist lenders may look beyond salary and dividends.
Retained Profits
Some specialist lenders may include retained company profits when assessing affordability.
Pension Contribution
Some specialist lenders may take employer pension contributions into account.
Complex Income
Salary, dividends or multiple companies? Some specialist lenders may assess your overall income differently.
I'd be pleased to review your circumstances and recommend the lenders best suited to you.
BORROWED MORE USING RETAINED PROFITS
A Company Director's low salary didn't reflect the strength of their business. By using the right lender, they secured significantly higher borrowing.- ✔ Salary, dividends and retained profits assessed
- ✔ Specialist lender recommended
- ✔ Borrowed an additional £125,000
PURCHASED BEFORE SELLING THEIR HOME
A Company Director's low salary didn't reflect the strength of their business. By using the right lender, they secured significantly higher borrowing.- ✔ Income assessed correctly
- ✔ Mortgage structured around their plans
- ✔ Purchased before selling Discuss Your Moving Plans →
USED EMPLOYER PENSION CONTRIBUTIONS
A Company Director was making employer pension contributions instead of taking additional salary. We found a lender willing to take these into account.- ✔ Pension contributions considered
- ✔ Tax-efficient strategy maintained
- ✔ Improved affordability
FIRST-TIME BUYER COMPANY DIRECTOR
A newly established Company Director wanted to buy their first home but wasn't sure how lenders would assess their income.- ✔ Specialist lender identified
- ✔ Income assessed correctly
- ✔ Successfully purchased their first home
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
✅ 30+ Years’ Experience
Helping Company Directors borrow more with the right lender.
✅ Access To 170+ Lenders
Including lenders who understand Company Director income.
✅ Direct Adviser Access
One adviser from enquiry to completion.
✅ Mortgage & Protection Advice
Joined-up advice for both borrowing and protection planning.
About Lyndsey Rowe
For over 30 years, I’ve helped Company Directors and business owners secure mortgages that reflect how they’re really paid. My advice is personal, straightforward and focused on finding the lender that’s right for your circumstances.
— FREQUENTLY ASKED QUESTION—
Your Company Director Mortgage Questions Answered
Every lender assesses Company Director income differently. Here are answers to some of the questions I'm asked most often.
Why can't I borrow as much as I expected?
The wrong lender can restrict your borrowing. Choosing the right lender can make a significant difference.
Can I get a mortgage with one year's accounts?
Possibly. Some specialist lenders will consider applications with just one year's trading.
Can I get a mortgage if I pay myself a low salary?
Yes. Many Company Directors choose a low salary for tax efficiency. Some specialist lenders assess more than just your salary, providing a fuller picture of your income.
Can I still get a mortgage after being declined?
Yes. A decline from one lender doesn't mean another won't accept your application. It may simply mean the wrong lender was chosen.
How do lenders assess Company Director income?
Every lender is different. Some assess salary and dividends only, while others also consider retained profits or employer pension contributions.
HOW THE PROCESS WORKS
Getting a Company Director Mortgage is Simpler Than You Think
Whether you're buying your first home, moving, remortgaging or investing, I'll guide you through every stage of the mortgage process.
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 access lenders that understand Company Director income.
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
Most problems don’t come from your situation — they come from using the wrong lenders or approach.
READY TO FIND THE RIGHT COMPANY DIRECTOR MORTGAGE?
Whether you’re buying your first home, moving, remortgaging or investing, I’d be pleased to review your circumstances and recommend the lenders best suited to your income structure.
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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.
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