Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Limited-company director mortgages
Find lenders who assess the real strength of your business and income. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with limited-company director mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Show lenders the strength behind the payslip
Salary and dividends do not always reflect the full strength of a profitable company. We identify lenders able to consider the income evidence most appropriate to your ownership, drawings and business performance.
Salary and dividends
Use the conventional income calculation where it accurately reflects available earnings.
Share of profit
Consider lenders able to assess your share of net profit where appropriate.
Retained profit
Explore cases where funds retained in the business demonstrate additional capacity.
Recent growth
Present improving performance clearly without ignoring sustainability or commitments.
Your Smart Mortgages contact
Aaron leads complex company-director cases.
Show lenders the strength behind the payslip FAQs
How many years of accounts do I need?
Many lenders prefer two or more years, but some can consider a shorter history depending on the full case.
Can retained profit be used?
Some lenders may consider retained profit or profit before tax, subject to ownership, accounts and an accountant's evidence.
Will taking a small salary reduce my options?
It can with lenders that use only salary and dividends, which is why lender selection and accurate income analysis matter.
Company director using retained profit
The director’s salary and dividends did not reflect the strength of a profitable limited company.
How we approached it
Read the full case study →Individual circumstances and outcomes vary. This example is not a guarantee of acceptance.We reviewed the accounts, ownership and sustainable business performance, then identified lenders able to assess a broader measure of director income.
Specialist knowledge that can make the difference
Our team regularly works with directors, retained profit, net profit and dividends. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.