Shareholding and role in the company
Limited company directors
Your personal income is only part of the business picture.
Mortgage preparation for directors whose salary, dividends, ownership and company performance require context.
Talk through your director income
Calm adviceClear preparation.
Careful consideration.
Careful consideration.
A proper starting point
Understand how the company and personal position connect.
A director’s mortgage position may involve salary, dividends, shareholding, retained profit, company performance and decisions made with an accountant.
Different lenders may assess information differently, but no treatment should be assumed before the circumstances and current requirements have been checked.
What the review can cover
Information that may be relevant
The exact information, evidence and questions depend on your individual position. This list is general guidance rather than personal advice.
Salary and dividend history
Company accounts and recent performance
Tax calculations and tax year overviews
Other company interests or directorships
Planned changes to remuneration or ownership
Worth considering
Useful preparation
No single factor determines suitability or availability. The full circumstances need to be understood together.
- Coordinate information with your accountant
- Be ready to explain unusual movements or one-off items
- Avoid changing remuneration solely for a mortgage without professional advice
- Keep business and personal commitments clear
- Allow time where more recent figures may need context
Common questions
Clear answers to useful starting questions.
These answers are general and should not be treated as personal mortgage or protection advice.
Will a lender use company profit?
Some approaches may consider information beyond salary and dividends, but this varies and must be checked against the full position.
Does my shareholding matter?
It can affect how the application and income are assessed. The exact relevance depends on the circumstances.
Should I change how I pay myself?
Mortgage advice is not tax advice. Discuss tax and remuneration decisions with your accountant before making changes.
A conversation, before a commitment
Choose a convenient time to talk.
Book a discovery call to explain what you are considering. Any personal recommendation would follow an appropriate full review of your needs and circumstances.
Primary contact
Book a discovery call
Choose an available time online for an initial 30-minute conversation.
View live availabilityBooking an initial call does not constitute personal advice.Your home may be repossessed if you do not keep up repayments on your mortgage.