ANONYMISED CLIENT EXAMPLE
Company director using retained profit
How Smart Mortgages approached a case that needed specialist lender knowledge.
Reviewed by Smart Mortgages21 August 2026 · FCA reference 912358
The challenge
The director’s salary and dividends did not reflect the strength of a profitable limited company.
Our approach
We reviewed the accounts, ownership and sustainable business performance, then identified lenders able to assess a broader measure of director income.
The outcome
A suitable mortgage route was identified and the application was packaged around the full financial picture.
Important
This anonymised example illustrates our approach and is not a guarantee that the same lender, terms or outcome will be available to another applicant.