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Mortgage Advice for Freelancers

Mortgage Advice for Company Directors

If you’re the Director of your own Limited Company, getting a mortgage can be more complex. If you turn to a specialist mortgage adviser like us, we can do the hard work for you. How we support you with Mortgage Advice for Company Directors:

  • Relationships with specialist lenders
  • Access to exclusive deals not available directly
  • We understand how mortgages for Company Directors work

Getting a mortgage as a Company Director is more challenging but not impossible. You are more likely to get a positive outcome if you use an experienced Mortgage Broker like us.

Mortgage advice for company directors

Company Director Mortgages Explained

As a Company Director, you might be wondering what is the process for a mortgage application.

Often the way you pay yourself means that high street lenders won’t consider you for mortgage applications. But we can help.

You might be worried about the following:

  • You only recently set up your Company
  • The amount you have paid yourself over recent years has not been consistent
  • You have been declined for a mortgage by a high street lender
  • You are unsure how to present your income to a lender

Whatever your concern, we can help. As a Company Director, it can be more challenging to apply for a mortgage but by no means impossible.

We know what documents you need to provide to the lender to prove your affordability. We also have relationships with specialist lenders who are more likely to accept applications from Company Directors. We also know how to package your income to maximise the likelihood of a successful outcome.

By using an experienced mortgage adviser like us, we can help guide you through this whole process and help make it as stress free as possible.

Contact us today for Mortgage Advice for Company Directors.

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Key points to remember

What information will I need to provide for a Company Director Mortgage?

As with all mortgage applications, the mortgage lender will want to see evidence that you earn enough to be able to afford the mortgage. The way you do this will be different from most self employed people as you probably take salary and dividends.

So you need a broker who can find you a lender that will take into account both salary and dividends.

It depends on which lender you choose as to how they calculate your affordability. Generally, they will take an average of your income over the last two or three years. But they can take other factors into account as well.

To prove your income when you apply for a Company Director mortgage, you will generally need to provide:

  • Limited company accounts – the last 2-3 years is ideal, but this can be less
  • Payslips showing your PAYE income – generally this will be for the last 12 months
  • Evidence of the dividends you have paid yourself
  • Business and personal bank statements – which will assess affordability and also salary being paid into your personal account

At Your Mortgage Expert, we can help pull all this documentation together and ensure the lenders have all the information they need. We can also give advice if you only have 1 year of accounts or have recently set up your company.

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Why choose us?

Our friendly, experienced team is based in the heart of Salisbury, Wiltshire. But we can help you no matter where you live in the UK. To find out more about us, visit our Meet the Team page.

Our team has:

  • Over 80 years of experience in the mortgage and protection industry
  • Close relationships with high street and specialist lenders
  • We have over 100 five-star reviews on Google
  • Have helped hundreds of self employed people access mortgages

How we work:

  • Personalised, hard working service
  • Search 1000s of deals from multiple lenders
  • Detailed research to ensure you save money
  • Take care of the paperwork to minimise stress
  • By your side from application to completion
  • The experience to get a good result for you

Contact us today for Mortgage Advice for Company Directors and see how we can help you get a successful outcome.

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  • Dan Allen mortgage adviser

    Dan Allen - Mortgage Adviser

    Dan Allen has worked with mortgages for over 10 years. He takes time to understand different lender criteria. His wealth of knowledge means he will know which lenders will work for you situation.
    Email Dan Allen
  • Dan Harris mortgage adviser photo

    Dan Harris - Mortgage Adviser

    Dan started working in the mortgage industry in 2004. Since then, he has helped lots of Sole Traders. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation.
    Email Dan Harris

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Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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