Helping Company Directors Get The Mortgage Deals They Deserve

Mortgages For Company Directors

Jones & Young are professional mortgage brokers, delivering industry-leading mortgages to company directors for over ten years.

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Salary & Dividends

The most common income evidence a company director is asked for is the last two years' salary and dividends, of which an average is taken. Some specialist lenders will use the latest year, which can help or consider your company's retained profits.

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Company Accounts

We have access to High Street Lenders that will use your share of net profits and your remuneration to calculate the amount you can borrow. This often saves Limited Company Directors from having to pay higher personal tax bills in order to secure a mortgage.

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1 Years Accounts

Most mortgage lenders average the last two years' accounts, but some use the latest years' figures for affordability purposes. If you are a newly formed company, there are lenders that will accept 1 years of trading history.

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Mark Jones

Welcome To Jones & Young Mortgages

Mark Jones is a mortgage adviser with over ten years of professional experience helping company directors get the mortgages they deserve.

As a specialist adviser, I can look at the various mortgage options open to you and how best to present your income to the lender. Depending on how your company is set up for tax, we use your salary and dividends to find company director mortgages for you. We also have lenders that will use a retained profit as a form of income, further increasing your chances of getting approved for a mortgage.

We can find you company directors’ mortgages with one year’s worth of accounts rather than the standard two years. Even if your limited company has been in business for a year, we can help.

Mark has helped hundreds of customers and offers a whole of market approach, ensuring customers are able to access the mortgage deals they need without delays and with more reliable outcomes.

10+ Years As A Mortgage Advisor

Self-Employed Mortgage Specialist

Whole Of Market Access

Receive The Mortgage Deals You Deserve

As a specialist company director mortgage broker, Mark sees things differently, allowing him find the best mortgage for you.

Mark Jones has over ten years of experience in helping company directors’ customers find the mortgages they need. Even if you’ve struggled to find a mortgage through other channels, Mark may be able to help.

Our Reviews

"Thanks Mark for doing such a great job in getting us our mortgage. It wasn't a straight forward situation and your expertise was vital in allowing us to purchase our new home."
Neil Kerr
"Mark has been great, helped me understand each stage and explained it clearly. Responds quickly. Very happy indeed and would definitely recommend!"
Sonia Hickman
"Professional and friendly, great service. Thank you for your help with my mortgage during a very challenging year."
Shahid Rahman
"As first time buyers, finding offers was incredibly tough. Richard went out to individual lenders and created a bespoke offering tailored to us. The communication was crystal clear and he was always available. Impeccable service!"
Adam West

Need Specialist Mortgage Services? Speak To An Expert Broker Today!

Building Your Brighter Future

Mark acts as the bridge between customers and the mortgage companies that can help them. Most lenders only deal with mortgage brokers like Mark, meaning he can find you a wide range of available options.

90-95% Loan to Value (LTV)

Loan to Value(LTV) options typically 90-95%

Trusted Advice

Clear and concise advice about the best options for your needs.


Helping customers cut through the noise to understand things their way.

Save Money

The difference between how your income is calculated can save you thousands.

Specialist Rates

Most competitive rates ensure the best price for customers

Helping Customers Secure The Homes They Deserve

For company directors, mortgages can be confusing. Mark’s role is to deliver straightforward advice that outlines your options, so you can make an informed decision. Not only can he assist with finding your company director mortgage options, but he can assist with the mortgage application too.

Mark strives to help people move on to the next chapter in their life, whatever the circumstances. Be it buying their first home, securing a re-mortgage, raising money for home improvements, or debt consolidation.

How many mortgages Jones and young have completed


Helping self-employed professionals, contractors, CIS mortgages, freelancers, and small business owners navigate the mortgage process and get the best possible deal.

Your Trusted Team Of Experts

Mark Jones

Mark Jones is a professional mortgage adviser with over ten years of experience helping construction industry scheme workers get the mortgage they deserve.

Richard Young

Richard Young is an expert in helping older clients achieve better lifestyle options with the use of a lifetime mortgage and later life lending options.

Mortgages for Company Directors FAQs:

We’ve done our best to try and answer some of the most frequently asked questions about limited company director mortgages:

Yes. Being a director of a company will not prevent you from being able to have a mortgage. As a company director, as long as you can provide at least one year’s worth of tax returns alongside the other requested documents, you’ll be able to secure a mortgage the same as anyone else.

Yes, although like anyone with poor credit, you will be restricted with the number of lenders you can go to, depending on how severe and recent the credit issues are. Keep in mind that lenders may be further limited if you have specific lending needs, such as if your most recent figure is not available or if you have only been trading for one year. Our advisers are specialists in these unique areas of mortgage application and are here to put your mind at ease.

A specialist lender will know that a company director’s base salary is only part of the profitability. When evaluating a mortgage application, it is crucial that business owners seek specialist lenders who take into account the following:

● Operating profit (before and after taxation).

● Directors Salary

● Figures for the latest years

● Trade for 1 Year

● The company employs other applicants

● Refer to a qualified accountant

Our advisers evaluate your situation to determine the maximum amount you can borrow and the best interest rate. If necessary, they will also talk to your accountant to get the right paperwork.

If you are a company director, you do not have to make a higher deposit. Depending on your situation, you will be eligible for the exact offers as other borrowers. This means that in some situations, you can get up to 95% of the property’s value. However, like anyone else looking for a mortgage, if you have poor credit ratings or want to get a mortgage at a lower price, you may need to pay a larger deposit.

If a director of a limited company has declared a loss within three years, it can be difficult to get a mortgage if you are looking for one with mainstream lenders. Losses are seen as a sign of low income reliability and increased risk of not being able to make mortgage repayments. If you have declared a loss during the last year, it is unlikely that a lender will approve your application. Although if your salary is deducted before your profit, it could still be approved, subject to satisfactory explanations and approval by an underwriter. You are more likely to be approved if the loss occurred two years ago and you have made a complete recovery. There are also specialist lenders who will consider you if the loss occurred three years ago, and there is a trend of three-year recovery.