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Limited Company Director Mortgage

When it comes to getting a mortgage as a limited company director, it doesn’t have to be a difficult process. We’re here to help ensure everything is smooth sailing.

As a limited company director, you’ll need to be able to provide information on your income as part of your mortgage application. This includes the salary and/or dividends you’ve withdrawn from your company, the net profit of the business, and proof that your income can be considered stable.


While your application is slightly more complex than usual, our specialist mortgage advisers are here to guide you. After all, we know the ins and outs of finding a mortgage in these circumstances! By assessing your unique requirements, we’ll be able to find the competitive deals to suit your needs.

Do I qualify for a Limited Company Director mortgage?

Lenders will typically expect your company to have been trading for at least two years. But some will consider one-year trading along with future income projections.


You will also need to provide:


  • SA302 plus tax year overviews of the last two years (can be requested or downloaded from HMRC)
  • Finalised accounts of the last two years (spreadsheet or from qualified accountant)
  • Your last three bank statements (personal and business accounts)

Case Study

A couple wanted to buy their dream home. They were both self employed with one being the company director and shareholder and the other working for the business as a contractor. See how we got them their mortgage when their income on paper was low for tax efficient purposes.

Read more

What if I only have one year’s accounts?

If you have less than one year’s accounts, unfortunately lenders are unlikely to consider you, However one of our core values is preparation and what we can do is help you to plan for your mortgage journey. That’s why we offer a free strategy call so we can discuss your business and what you need to do to make your application look as positive as possible.

How to maximise borrowing as a ltd company director

Here we explain how we can sometime use net profits when your a ltd company director to increase what you normally would be able to borrow.

How much deposit do I need?

Typically, banks will ask for at least 5-10% of the value of the property. However, it’s always good to aim for 15% to improve your chances of obtaining a mortgage offer.

Ready to apply?

If you’re the head of a limited company and you’re looking for mortgage advice, we can help. Just get in touch with our experts to get things started.

Momentum Mortgages is proud to be a part of Embrace Financial Services .