Mortgages For Company Directors
Jones & Young are professional mortgage brokers who have been delivering industry-leading mortgage solutions to company directors for over ten years. With extensive experience in assessing complex income structures, including salary, dividends and retained profits, their team provides clear, tailored advice and access to a wide range of competitive lenders across the market.
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What Is a Company Director Mortgage?
A CIS mortgage is a type of home loan designed specifically for people working under the Construction Industry Scheme (CIS). It’s ideal for CIS subcontractors, construction workers, and other self employed individuals, including cis workers, who receive regular payments through the CIS scheme.
Instead of relying on tax returns or net profit, a CIS mortgage uses your CIS payslips and gross income to calculate how much you can borrow. This approach gives a clearer reflection of your true earnings and helps increase your borrowing potential. Many CIS workers find they can access higher borrowing limits through this route than with traditional self employed income.
If you’ve struggled to get approved elsewhere because of your employment type or documentation, a CIS mortgage could be the key to securing your new home, along with tailored mortgage advice.
How Do Mortgages for Company Directors Work?
Mortgages for company directors are assessed differently to standard employed mortgages, as income is often taken through a combination of salary, dividends, and retained company profits.
Many lenders base affordability on salary and dividends averaged over the last two years, which can limit borrowing for directors who retain profits within the business. Specialist lenders take a more flexible approach, assessing income using salary, your share of net profit, and in some cases retained profits.
This allows lenders to better reflect the income available within the company, helping directors secure a mortgage that aligns with their true financial position without changing how they pay themselves.
Specialist Mortgage Providers for Limited Company Directors
Jones & Young are an experienced mortgage broker with over thirty years of success helping company directors secure mortgages for limited companies and growing businesses.
As specialist mortgage brokers, we review the options available and present your income to mortgage lenders in the most favourable way. Depending on your tax setup, this may include:
Salary and dividends
Net profit
Retained profits within the limited company
This approach can make all the difference to your borrowing power.
We also work with specialist lenders who offer company director mortgage options using salary + net profit, which can increase your maximum loan amount. Many lenders require two years of accounts, but we also have access to mortgages for company directors with one year’s accounts, supporting those with limited trading history.
Even if your limited company has only been operating for a year, we can still help you get a mortgage. With whole-of-market access, we match you with the right lender quickly, ensuring smoother applications and more reliable outcomes.
Calculate Your Mortgage Affordability
Our easy-to-use mortgage calculator helps you understand what you can afford before starting your application. Simply enter your details to estimate how much you could borrow, monthly payments based on your loan amount and the effect of different interest rates on overall affordability.
Access to Specialist Mortgage Lenders
Some borrowers face challenges getting approved, particularly those with complex income or credit histories. At Jones & Young, we work with a wide network of specialist lenders who take a more flexible view of your financial situation. Whether you’re self-employed, a contractor, or managing multiple commitments, we help match you with specialist mortgage options that suit your circumstances. Our focus is on keeping the process clear and stress-free, securing solutions that support your goals and help you move forward with confidence.
Secure the Right Mortgage as a Company Director
Jones & Young’s expert brokers understand director income structures, including salary, dividends and retained profits. Speak to an experienced adviser to explore mortgage options that reflect your true earning potential.
Things to Consider When Applying for a Mortgage as a Director
Applying for a mortgage as a company director involves more than simply providing payslips. Lenders assess director applications by looking closely at how income is structured, how the business is performing, and how stable earnings are over time.
Understanding what lenders review, and where specialist lenders may take a more flexible approach, can help you prepare your application properly and improve your chances of securing the right mortgage.
Salary and Dividends
When it comes to assessing a limited company director’s income, lenders broadly take one of two approaches.
Salary + dividends: Many lenders look at the salary and dividends you’ve actually drawn from the company, usually averaged over the last two years. This reflects the income you’ve personally taken, as shown on your tax return.
Salary + share of net/retained company profit: Some specialist lenders will instead assess affordability using your salary plus your share of the company’s net profit, and in some cases retained profit, where their lending criteria allow it. This can be relevant if you deliberately keep profit within the business rather than drawing it all out as dividends, as it reflects income available to you within the company rather than only what’s been withdrawn.
Which approach applies depends on the lender’s own criteria and your individual circumstances, and one method isn’t universally better than the other – it simply depends on how your income is structured and which lender best fits your situation.
1 Year Accounts
If your limited company is newly established, some specialist lenders will accept one year’s accounts, especially when trading history is strong and projections are supported by a qualified accountant.
This can help directors get a mortgage sooner without waiting for full two-year accounts.
Am I Classed as Employed or Self-Employed as a Director?
As a company director, how a lender treats your application can depend on your ownership stake in the business. Lenders commonly consider directors who own around 20–25% or more of a limited company to be self-employed for mortgage assessment purposes, reviewing your income through company accounts, salary, and dividends rather than a standard payslip. If you hold a smaller shareholding, some lenders may instead assess you in a similar way to an employed applicant.
The exact threshold and treatment can vary between lenders, so it’s worth having your circumstances reviewed rather than assuming how you’ll be classed. This classification relates specifically to how a mortgage lender assesses your income and affordability, and is separate from how your employment status is treated for tax or employment law purposes.
Jones & Young can help clarify how different lenders are likely to view your ownership position and income structure before you apply.
Documents You'll Need
Alongside reviewing your income structure, lenders will typically want to see supporting documentation to verify your earnings as a company director. Depending on the lender, this may include:
SA302s — evidence of the income you’ve declared to HMRC through your personal tax return
HMRC tax year overview — confirms your tax position for the relevant year alongside your SA302
Certified accounts — provide verified evidence of your company’s performance and financial figures
Dividend vouchers — provide evidence of dividend payments taken from the company
The exact combination of documents requested can vary between lenders, so it’s worth checking what’s needed for your specific application. A specialist broker can talk you through what to prepare before you apply.
Why Choose Jones & Young
Choosing the right specialist mortgage broker can make all the difference. At Jones & Young, we’re proud to be independent, experienced, and trusted by company directors across the UK.
Here’s why clients continue to choose us:
Over 30 years of experience helping company directors and self employed workers
Independent mortgage advisers offering whole-of-market access to many lenders
A reputation for honest, transparent, and stress free service
Personalised mortgage advice designed around your goals and situation
Access to insurance advice and financial protection for every client
Whether you’re a first-time buyer or looking to remortgage, Jones & Young’s expert team can help you find the right lender and secure the deal you deserve.
Years Experience
Independent Advice
Specialist Lenders
Read What Our Recent Clients Say About Our Specialist Company Director Mortgage Services
Our customers are at the heart of everything we do, and their feedback speaks for itself. Many describe our brokers as friendly, knowledgeable, and always willing to go the extra mile to help them secure the best deal.
How Do You Calculate What a Director Can Borrow?
When assessing mortgages for company directors, lenders take a more detailed look at your income structure and business performance. Unlike an employed applicant, a company director’s affordability is based on several financial factors.
Income Assessment
Most lenders calculate your borrowing using a combination of:
Salary and dividends
Your share of net profit
Retained profits (accepted by many specialist lenders)
Company director’s income shown in company accounts
Income stability and trading history
Some lenders use an average over two years, while others will base affordability on the latest year’s performance, which can make all the difference to your maximum loan amount.
A specialist mortgage broker can also identify lenders who allow you to maximise borrowing by using salary + share of company profits rather than just dividends.
Credit History
Your credit history and credit file help lenders judge financial reliability. They will review:
Your credit report
Any past issues such as bad credit
Existing credit commitments
Timeliness of payments
A clean, stable record supports affordability and increases the likelihood of getting your company director mortgage approved.
Deposit and Borrowing Power
Your deposit influences your maximum loan, interest rate, and overall borrowing capacity.
Lenders may expect:
5–10% deposit for strong applications
Higher deposits for complex mortgage applications
More flexibility if business finances and company profits are strong
A larger deposit reduces risk and helps secure a better mortgage deal from both high street lenders and specialist lenders.
Debt-to-Income Ratio
Your DTI helps lenders assess whether you can manage mortgage repayments comfortably.
They review:
Personal debt
Monthly outgoings
Financial commitments tied to the limited company
Lower debt levels improve affordability and strengthen eligibility criteria.
Helping Company Directors Secure the Homes They Deserve
Securing a company director mortgage can feel confusing, especially when different lenders assess income in different ways. At Jones & Young, our role is to simplify the entire process and guide you toward the right lender with clear, tailored advice.
We support company directors at every stage by:
Explaining your mortgage options in plain, straightforward terms
Identifying which lenders will use salary, dividends, net profit or retained profits to maximise borrowing
Managing the entire mortgage application process on your behalf
Ensuring your income is presented correctly to most lenders and specialist lenders
Helping you compare mortgage products from high street lenders, building societies, and the wider market
Whether you’re buying your first home, refinancing, or raising funds for improvements, we make the process feel simple and supported. Our aim is to give every business owner and limited company director the confidence to make informed decisions based on clear advice rather than guesswork.
Latest Specialist Mortgage Guides
Stay informed with our latest specialist mortgage guides and in-depth mortgage case studies. Each article is written to help you better understand the world of specialist mortgages, offering clear advice and real examples from our clients’ experiences.
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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 company director?
Yes. Most mortgage lenders are happy to lend to company directors as long as you can provide the required documents. Income is usually assessed using salary and dividends, or salary plus your share of net profit. Some lenders will also consider retained profits, which can increase your borrowing capacity.
Can I get a mortgage even if I have bad credit?
It’s possible. While mainstream lenders may be stricter, specialist lenders consider applicants with historic credit issues. A clean, improving credit history and strong company performance will support your case. A specialist mortgage broker can help position your application with lenders most likely to say yes.
What is the best way for a lender to calculate my income as a director?
Different lenders assess company director’s income differently. Many use salary and dividends, while others will allow salary plus your share of company profits. The right approach depends on your business structure, recent trading history, and overall affordability.
As a limited company director, will I need a larger deposit?
Not always. For limited company director mortgages, deposit requirements are similar to other applicants. However, if your income varies or your credit file has issues, a higher deposit may help secure a better mortgage deal.
What if my company had losses in previous years?
A year of reduced profit does not automatically prevent approval. Lenders will assess your wider trading history, current performance, and future affordability. A strong latest year or a clear recovery can still support your application.
Can I get a mortgage with one year’s accounts?
Yes. Several specialist lenders offer limited company director mortgages using one year’s accounts, especially if your industry experience is strong or you moved from employed work into running your own company. You will still need supporting documents such as tax year overviews and company accounts.
Can I get a mortgage as a company rather than personally?
Yes, it’s possible to apply for a mortgage as a company (often called a limited company buy-to-let mortgage). Lenders will review your business structure, company’s profitability, and the personal guarantees of the directors. These products often suit borrowers focused on tax efficiency or long-term investment planning.
Do I need a good credit history to get approved?
A good credit history will always help, but it’s not essential. Even if your record is mixed, many lenders will still consider you if your company is profitable and you meet their eligibility criteria. A broker can help identify which lenders are suitable.
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