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A company director mortgage

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Mortgages for company directors

Many business owners are under the impression that it’s almost impossible to secure a mortgage as a company director. That’s not the case, but there are some criteria you will need to meet as the head of a limited company, in order to be eligible for a mortgage loan.

Firstly, you will need to have been trading for a minimum of 12 months and have a full years’ set of tax accounts. You’ll also need to provide information on the amount of salary and/or dividends you have drawn from the company, which will be considered as your ‘income’ and used to determine how much you can borrow.

When applying for a company director’s mortgage, you need to be able to prove that you have a stable income, and are able to make your mortgage repayments over the course of your mortgage term. This sounds simple, but mortgage requirements for company directors vary hugely between lenders, and some of them are willing to take a broader view on your income structure than others, including taking the net profits of the business as well as your own personal earnings into account. That’s why we would always recommend speaking to one of our specialist mortgage brokers, before you begin approaching mortgage companies yourself.

With access to a huge pool of lenders and a great deal of experience in securing suitable mortgages for company directors, CLS Money are well placed to help you find a deal that suits your circumstances. We’ll also guide you through the mortgage application from start to finish, to ensure you have the best possible chance of being accepted by a lender that can offer you favourable terms on a director’s mortgage.

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