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
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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.
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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.
Communication
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.
- Industry-leading advice
- High Street Lenders
- Clear & straightforward recommendations
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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
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:
Can I get a mortgage as a director of a company?
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.
Can I get a mortgage even though I am a company director with poor credit?
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.
What is the best way for the lender to calculate my income if I'm a company director?
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.
As a Limited Company Director, will I need a larger deposit?
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.
What if my company suffered losses over the past three years?
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.
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