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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Specialist Mortgage Providers for Company Directors

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

As a specialist advisers, Jones & Young 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. Jones & Young have helped hundreds of customers and offer a whole of market approach, ensuring customers are able to access the mortgage deals they need without delays and with more reliable outcomes.

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Things to consider when applying for a mortgage as a director

Salary and 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.

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.
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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Specialist Mortgage Advice To Help You Secure The Home You Deserve!

90-95% Loan to Value (LTV)

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

Trusted Advice

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


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

Gross Pay Used

The Lenders average your income over the last 3 months' GROSS pay. Not the net amount from your tax calculations.

Specialist Rates

We offer competitive rates ensuring the best price for our customers

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.

30+ Years As Mortgage Advisers

Providing business owners and the self employed with mortgage advice

Individual Tailored Advice For Mortgage & Protection

Tailored advice recommended for your personal situation

Whole Of Market Access

Access to the whole of market mortgage market to find you the best deal

How Do You Calculate What A Director Can Borrow?

As mentioned, mortgage lenders will use your gross income (before tax and other deductions/expenses) to assess how much you can borrow. Contractor mortgages are based on this gross income and this often allows for a larger mortgage than previously possible based on company accounts.
As with any type of mortgage, your credit history will significantly impact how much you can borrow. If you have a good credit history, this demonstrates to lenders that you are reliable and likely to meet your repayments. Therefore, you’re more likely to be able to have maximum borrowing and a lower rate. However, if you have an adverse credit history or a bad credit rating, working with a specialist mortgage broker such as ourselves, can mean you’ll still be able to access some of the best deals. We always advise checking your credit report before applying for a mortgage and can help you obtain a credit search.
The size of your deposit will also impact how much you can borrow. You can get a contractor mortgage with a minimum of a 5% deposit. If you can put down a larger deposit, you’ll benefit from lower rates, as the lender will consider you less of a risk. Contractor-friendly mortgage lenders will also take this into account during your mortgage application.
This ratio, which compares your overall debt to your income, is used by mortgage lenders in their calculators to determine your ability to manage payments. Should you have a high level of unsecured debt comparative to your income many lenders have a limit over which they are not prepared to lend. By using your day rate rather than your taxable income, this can help increase your income and alleviate their concerns.

Read What Our Recent Clients Say About Our Specialist Mortgage Services

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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.

Related Articles For Company Director Mortgages

Mortgages For New Limited Companies

Getting a mortgage when you have just set up a new limited company can be difficult buts it not impossible.

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.

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:

  • Net profit(s) (before and after taxation).
  • Director’s Salary
  • Using latest years trading figures
  • Dividends
  • Accountants reference

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.

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