Mortgages for business owners and company directors
Mortgages for business owners
If you own a business or are a company director, lenders assess your income differently from an employee. Tony helps business owners compare mortgage options from over 100 lenders and explains what lenders may look at, from salary and dividends to company accounts.
Talk to TonyAt a glance
- Advice for business owners and directors
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help business owners
Your income can be complicated. Tony helps you understand how lenders may see it.
What lenders may look at
- Lenders typically ask for two to three years of accounts or tax calculations, although some may consider less.
- An accountant's reference or certified accounts may be requested.
- The balance between salary, dividends and retained profit can change what lenders count.
- Planning ahead, ideally before your year-end, can widen your options.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Business owner mortgage questions
Can I get a mortgage if I run a limited company?
Yes, it is possible. Lenders usually assess salary and dividends, and some may also consider your share of net profit. Tony can search for lenders that suit how you are paid.
How many years of accounts do I need?
Many lenders ask for two to three years, but some may consider one year in the right circumstances. Tony can advise on your situation.
Can I buy a property through my company?
Often this is for buy to let. Tony can advise on the options and when it may make sense to speak to your accountant.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony