Director Mortgages
Company director mortgages assessed on your real income - salary plus dividends, net profit, or retained earnings - not just the salary drawn, which mainstream lenders use and which dramatically understates what directors actually earn.
Why mainstream lenders get director income wrong
A director drawing £12,570 salary and £80,000 in dividends earns £92,570 - but a mainstream lender's automated system sees a £12,570 earner and offers a mortgage of around £56,000. Specialist director mortgage lenders use the total of salary plus dividends from your SA302 personal tax calculations, or the company's net profit where you own 25%+. The difference in assessed income - and therefore maximum mortgage - is transformational.
Every director income structure placed
Salary Plus Dividends
The most common director income structure. Specialist lenders use total PAYE salary plus dividend income from SA302 tax calculations for the last two years - often tripling the assessed income versus salary-only assessment.
Net Profit Assessment
Directors owning 25%+ of their business can access lenders who use the company's net profit as the income base rather than income drawn. Directly benefits directors who retain profits in the company for tax efficiency.
One Year of Accounts
Most lenders require two years. A growing number accept one year of trading history where income is growing, the director has a track record in the same sector, and accounts are prepared by a qualified accountant.
Retained Profit Inclusion
Some specialist and private bank lenders include undistributed retained profits held in the company as part of the wealth or income assessment - unlocking higher borrowing for directors who have built up significant reserves.
Multiple Directorships
Income from multiple companies, holding company structures, and group income all require specialist underwriting. We present complex director structures in the format that specialist underwriters accept.
Private Bank Access
For loans above £1m, private banks assess director income holistically - salary, dividends, retained equity, and total wealth. This approach frequently unlocks materially larger mortgages than formula-based assessment.
How it works
Share your income structure
Tell us your salary, dividends, company net profit, and property requirement. We assess which lender's income methodology - salary plus dividends, net profit, or retained earnings - produces the best outcome.
Lender matching
We identify the specific lender whose assessment model maximises your income, then structure the application to present your income correctly for their underwriting team.
Application and valuation
We manage the full mortgage application and coordinate the valuation, providing your SA302s, accounts, and company information in the format each lender requires.
Mortgage offer
One application to the right lender - not multiple applications to the wrong ones. Typical timeline: 4 to 6 weeks from full application to mortgage offer.
Need a mortgage as a company director?
Tell us your salary, dividends, and company profit. We identify the lender whose income assessment gives you the best outcome - same working day response.
Frequently asked questions
Can I use dividends as well as salary for a director mortgage?
Yes - with specialist lenders who assess director income correctly. Most specialist lenders use salary plus dividends from your SA302 tax calculations for the last two years. This frequently doubles or triples the income assessed versus the salary alone, dramatically increasing your maximum mortgage.
What if I retain most profits in the company and draw a low salary?
Specialist net profit lenders assess the company's net profit rather than the income drawn. For directors who own 25%+ of the business, this unlocks a much higher assessed income. Some private bank lenders also consider the total wealth picture including retained company equity.
Do I need two years of accounts?
Most specialist lenders require two years. Some accept one year where income is growing, the director has a track record in the same sector, and accounts are prepared by a qualified accountant. A broker identifies which lenders are most accommodating for your specific trading history.
I am a director of multiple companies - can all income be included?
Yes, from specialist lenders who assess complex director income. Income from multiple directorships requires careful presentation - the total of salary and dividends from each company's SA302 is the starting point. A broker who regularly places this type of case knows how to structure it correctly.
Can I get a high-value mortgage as a company director?
Yes. Private bank lenders and specialist large-loan lenders are experienced with director income including retained profits, business equity, and complex multi-source income. For loans above £1m, the private bank market often provides the most flexible income assessment.
Explore related pages
Complex Income Mortgages
All non-standard income types placed with specialist lenders.
High Net Worth Mortgages
Private bank access for large loan director mortgages.
Self-Employed Mortgages
SA302 income assessment for sole traders and directors.
High Value Mortgages
Large loan residential mortgages above £1m.