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Company Directors
Specialist Mortgage Advice For Company Directors
Paying yourself through salary and dividends? We help you find lenders who understand how directors' income is assessed, including those that look beyond what you draw.
Company Directors
Your Director's Income Deserves Specialist Mortgage Advice
Understand how lenders may assess your salary, dividends and company profits.
01
When You Count as Self-Employed
Lenders set their own shareholding threshold. Some treat you as self-employed if you own 20% or more of your company, while others use 25%.
02
Salary & Dividends
Many lenders assess directors on salary plus dividends. Some average the last 2 years and use the lower figure if your latest year has fallen.
03
Share of Net Profit
Some lenders can use your share of the company's net profit after Corporation Tax instead of dividends, which can help if you keep profits in the business.
04
Accountant's Certificate
Some lenders accept an accountant's certificate or reference as evidence of income, while others only accept SA302s and tax year overviews or full accounts.
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FAQ
Common Questions
Everything you need to know about mortgages for limited company directors
Am I self-employed as a company director?
It depends on your shareholding and the lender. Some lenders treat you as self-employed if you own 20% or more of the company, or less than 20% where dividends make up most of your income. Others use 25%, and some also treat you as self-employed below that if you receive dividends. Below the threshold, some lenders will assess you as employed if you're paid a salary only.
How do lenders calculate a director's income?
Lenders commonly look at your salary plus dividends. Some lenders give a choice: salary plus dividends, or salary plus your share of the company's net profit after Corporation Tax, averaged over 2 years. Where your latest year is lower, the lower figure may be used.
Can lenders use the profits I've left in my company?
Some can. Rather than looking only at the dividends you've drawn, they use your share of the company's net profit after Corporation Tax together with your salary. This can help if you keep profits in the business instead of paying them out. Others don't, and some specifically exclude retained profits, so the lender you choose matters.
How long do I need to have been trading?
Many lenders ask for 2 years of trading and 2 years of finalised figures. Some will consider directors with 12 months' trading, although one year's accounts may limit the products available.
What documents will I need?
It varies by lender. Options include an accountant's certificate with a recent business bank statement, your latest 2 years' full accounts, or your SA302s and tax year overviews with recent bank statements. Some lenders won't accept an accountant's certificate in place of SA302s and tax year overviews.
Is this the same as a limited company buy-to-let mortgage?
No. This page is about a mortgage on your own home, assessed on your income as a director. A limited company buy-to-let mortgage is a different product, where the property is bought by a company rather than by you personally.