⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏦 Access to 170+ lenders
COMPANY DIRECTOR MORTGAGES USING RETAINED PROFITS — BORROW MORE
Stop being restricted — borrow more using retained profits
For company directors paid via salary and dividends
BORROW MORE
Use retained profits to borrow more
COMPLEX INCOME ACCEPTED
Salary, dividends and retained profits used to maximise your borrowing
GET APPROVED
Matched with lenders who accept retained profits
Trusted By Company Directors Across The UK
WHY YOUR BORROWING IS LOWER THAN IT SHOULD BE
Most lenders assess company director income incorrectly — often ignoring retained profits and reducing your borrowing by tens of thousands.
This means:
❌ Only your salary is used
❌ Dividends are not fully recognised
❌ Retained profits are ignored
❌ Your income is assessed too conservatively
❌ Automated decisions miss your true affordability
If retained profits aren’t included, your borrowing is almost always lower than it should be.
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 the correct approach, your full income — including retained profits — can be used, unlocking the borrowing you should have access to.
BEEN RESTRICTED OR DECLINED — EVEN WITH STRONG PROFITS?
If your borrowing feels lower than it should be — you’re not alone. Many company directors experience this, even when their business is performing well.
Many are told:
❌ Only your salary can be used
❌ Dividends aren’t enough
❌ Retained profits can’t be considered
❌ Your income doesn’t meet affordability
👉 Even when your company is profitable — which can be frustrating when you know you should be able to borrow more.
Most lenders don’t assess retained profits correctly — especially high street lenders.
👉 It’s not just what you earn
👉 It’s how your income is assessed
WHAT THIS MEANS
👉 You may be restricted unnecessarily
👉 You could be declined when you shouldn’t be
👉 You may be approved for far less than you qualify for
BUT THIS CAN CHANGE
✔ Your retained profits can be included
✔ Your full income can be used
✔ Your borrowing can increase — sometimes significantly
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 help you get approved:
✔️ I STRUCTURE YOUR INCOME CORRECTLY
So lenders can use your full income — including retained profits, not just salary and dividends.
✔️ I MATCH YOU WITH THE RIGHT LENDERS
Lenders who understand company directors and will actually use retained profits in their affordability.
✔️ I PRESENT YOUR CASE PROPERLY
So underwriters clearly see your full financial position — reducing delays, queries, or declines.
✔️ I HELP YOU BORROW MORE — NOT LESS
By focusing on what you can achieve — not what standard lenders restrict you to.
This is why many company directors are approved — even after being restricted or declined elsewhere.
WHY COMPANY DIRECTORS GET APPROVED — EVEN WHEN OTHERS CAN’T
SPECIALIST MORTGAGE ADVICE FOR COMPANY DIRECTORS USING RETAINED PROFITS — 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 structured and used correctly to maximise your 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 RETAINED PROFITS
A company director was declined by their bank despite strong business performance.
The lender only used salary — ignoring retained profits.
👉 By restructuring their income and using the right lender: Approved after being declined
✅ 2. BORROWED MORE — USING RETAINED PROFITS
A director was told they could borrow far less than expected.
Their company had strong retained profits — but these weren’t used.
👉 By using a lender that correctly assessed retained profits: Borrowing increased significantly
✅ 3. SALARY + DIVIDENDS NOT ENOUGH — RETAINED PROFITS USED
A company director had strong profits but low salary and dividends.
Most lenders restricted borrowing based on what was taken personally.
👉 By using 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 — including retained profits — and what you’re trying to achieve
So we can identify what’s actually possible for you
🔍 STEP 2: RIGHT LENDER STRATEGY
We match you with lenders who understand company directors and will use your full income
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 improving your chances of approval
✅ STEP 4: FULL SUPPORT TO COMPLETION
We manage the process from application through to offer and completionSo you can move forward with confidence — without the stress
FIND OUT WHAT YOU COULD REALLY BORROW — BEFORE YOU APPLY
📞 Call Me Now
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✉️ Email Me
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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.