⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏦 Access to 170+ lenders
COMPANY DIRECTOR MORTGAGES
Borrow More Without Increasing Dividend Withdrawals
Some specialist lenders may consider company profits alongside salary and dividends
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Specialist Lenders
Access flexible lending criteria
Retained Profits
Potentially increase affordability
Direct Adviser Access
One-to-one advice
Trusted By Company Directors Across The UK
WHY SOME COMPANY DIRECTORS STRUGGLE TO BORROW
Many Company Directors minimise salary and dividend drawings for tax efficiency.
Unfortunately, some lenders only assess personal income, which can reduce borrowing potential despite a profitable business.
This can lead to:
✅ Lower borrowing than expected
✅ Fewer lender options
✅ Frustration with high street banks
COMPANY DIRECTOR INCOME IS NOT ALWAYS ASSESSED THE SAME WAY
Some specialist lenders may consider:
✔ Salary
✔ Dividends
✔ Retained Profits
✔ Net Profits
✔ Complex Income Structures
This can provide additional borrowing flexibility for eligible applicants.
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
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
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 BORROW
Speak directly with an experienced mortgage adviser who understands Company Director income structures.
📞 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.