COMPANY DIRECTOR MORTGAGES
Mortgage Advice Designed For Company Directors
If you’re a company director, your income may be more complex than a standard salary. Whether you receive salary, dividends or retain profits within your business, we’ll help you find lenders who understand your circumstances and recommend a mortgage tailored to your needs.
Based in Dorset, providing mortgage and protection advice to clients across the UK by telephone, video and face-to-face appointments.
Advising Clients UK-Wide
Telephone, Video & Face-to-Face
OUR MORTGAGE JOURNEY
Helping Company Directors Secure The Right Mortgage
We'll take the time to understand how your business operates and explain your options clearly, helping you secure a mortgage that's right for both your personal and business circumstances.
Understand your income structure
We'll discuss how you're paid, including salary, dividends and retained profits where appropriate.
Research suitable lenders
We'll identify lenders whose criteria are better suited to company directors and business owners.
Recommend the right solution
We'll explain our recommendation clearly and guide you through every stage of the application.
Support through to completion
We'll liaise with your lender, accountant and solicitor where required to help keep everything progressing smoothly.
WHY IT’S DIFFERENT
Company Director Income Is Not Always Straightforward
Your business may be profitable, but that does not mean every lender will assess your income in the same way. Some lenders focus mainly on salary and dividends, while others may take a wider view of your company accounts.
That is why getting the right mortgage advice early can make such a difference. We help you understand how your income may be viewed and which lenders may be more suitable for your circumstances.
What May Matter To A Mortgage Lender?
Salary & Dividends
Many lenders use your personal income drawn from the company when assessing affordability.
Retained Profits
Some lenders may consider profits left in the business where the criteria allows.
Company Accounts
Accounts, trading history and company performance may influence how the case is assessed.
Shareholding & Control
Your ownership percentage and role within the business can affect how lenders classify your income.
DIRECTOR INCOME
How Lenders May Assess Director Income
There is no single way every lender assesses company director income. The right route can depend on how you are paid, your company accounts, trading history and the lender’s own criteria.
Salary
Often considered as part of your personal income.
Dividends
Commonly used by directors who extract profits from the company.
Retained Profits
Some lenders may consider profits left in the business, where criteria allows.
Every lender is different
That is why choosing the right lender and preparing the application properly can make a real difference.
Important To Know
Some lenders focus mainly on salary and dividends. Others may take a wider view of company performance. Requirements vary between lenders and every application is assessed individually.
Not Sure How You’ll Be Assessed?
That is exactly what we help with. We can review your circumstances and explain which routes may be worth exploring before you apply.
DOCUMENT CHECKLIST
What Documents May Be Needed?
Company director mortgage applications can need different evidence depending on how your income is structured and the lender’s criteria.
We’ll help you understand what is likely to be needed before you apply, so your application can be prepared clearly and avoid unnecessary delays.
We’ll Keep It Clear
- We’ll explain exactly what is needed.
- We’ll help prepare everything before submission.
- Requirements vary between lenders and circumstances.
Proof of Identity
Passport or driving licence.
Proof of Address
Utility bill or bank statement where required.
Income Evidence
Salary, dividends and supporting income documents where applicable.
Company Information
Company accounts, tax calculations or other business information depending on lender requirements.
Bank Statements
Personal and, where relevant, business statements.
WHY CHOOSE CONRAD FINANCIAL SERVICES
Why Business Owners Trust Conrad Financial Services
We understand that company directors and business owners often have more complex financial circumstances than employed applicants. Our role is to make the mortgage process as straightforward and stress-free as possible.
We Understand Business Owners
Company directors are often paid differently to employed applicants. We understand those differences and help explain your options clearly so you can make informed decisions.
Tailored Lender Research
Different lenders have different criteria. We help identify those that may be suitable for your circumstances.
Proactive Preparation
We’ll explain what information may be needed before your application is submitted.
Clear Communication
Straightforward advice with regular updates throughout the process.
Support Through To Completion
From your first enquiry until completion, we’re with you every step of the way.
Trusted advice. Personal service. Clear communication.
COMPANY DIRECTOR MORTGAGE GUIDES
Helpful Guides For Company Director Mortgages
Explore guides covering salary, dividends, retained profits, company performance and some of the different ways lenders may assess director income.
View All Company Director Mortgage Guides
Can a company director get a mortgage with one year’s accounts?
Explore mortgage options for company directors with one year's accounts, including evidence, trading history, affordability and lender criteria.
Read Guide
Salary, dividends and retained profit: what may count for a director mortgage?
Understand how salary, dividends and retained profit may be considered for a company director mortgage and why lender calculations can differ.
Read GuideCLIENT FEEDBACK
★★★★★
Straightforward Advice For A More Complex Income
“As a company director, I was concerned that my income would make getting a mortgage more difficult because I take a combination of salary and dividends. Conrad Financial Services took the time to understand how my business operated, explained everything clearly and guided me through the whole process. Communication was excellent throughout, and I always knew what was happening next. I would happily recommend Conrad Financial Services to any company director looking for professional mortgage advice.”
Bournemouth, Dorset.
COMPANY DIRECTOR QUESTIONS
Answers To The Company Director Mortgage Questions We’re Asked Most Often
Every company director’s circumstances are different. Below are answers to some of the questions we’re most commonly asked about company director mortgages. If you need tailored advice, we’re always happy to help.
Ask Us About Director Mortgages
If your income includes salary, dividends, retained profits or a more complex company structure, we can help explain how different lenders may view your circumstances.
Need clarity?
Need Help With Your Mortgage?
Not sure which mortgage option is right for you? Book an initial conversation and we’ll help you understand the next steps.
Can company directors get a mortgage?
Can retained profits be used when applying for a mortgage?
How many years of company accounts do I need?
Will lenders only look at my salary?
Can I get a mortgage if my income changes each year?
What documents will I need?
Can I remortgage as a company director?
Do you only help company directors in Dorset?
LET'S START THE CONVERSATION
Ready To Discuss Your Mortgage?
Whether you’re buying your first home, moving house, remortgaging or looking for specialist mortgage advice, send us a few details and we’ll get back to you.
- Comprehensive lender panel mortgage advice
- Telephone, video and face-to-face appointments
- Dorset based, supporting clients across the UK
- Usually respond within one working day
READY TO TAKE THE NEXT STEP?
Let’s Talk About Your Mortgage & Protection Plans.
Whether you’re buying your first home, moving house, remortgaging, self-employed, a company director or looking to protect your family, we’re here to help you make confident decisions.