MORTGAGES
Limited Company Director
- You'll experience an unrivalled customer service
- We are an independently owned brokerage offering first charge mortgages from the whole of the market.
- You can contact us 24/7, we're always available to help
Can I get a mortgage as a Limited Company Director?
Limited Company Directors generally have access to the same range of mortgage products as anyone else. The only real difference is that, as a part of the application process, Self-Employed mortgage applicants will have to provide more substantial proof of their income than more traditionally employed applicants.
There are an increasing number of specialist Mortgage Lenders who are happy to help Limited Company Directors and other Self-Employed applicants, with some choosing to exclusively offer mortgage deals to that demographic. With a continuing rise in SME business owners in the UK, even high street lenders are having to adapt to accept this type of applicant. The key to finding a competitive deal is to ensure you are fully prepared in advance of your application, with our help, this should be no problem.
How do I document my trading history?
When you apply for a mortgage, the lender is going to want evidence that you have a reliable source of income. For Self-Employed applicants, it can take a little more to convince them of the stability of your finances, given that Self-Employed income is still viewed as less stable than employed income. If you can wait until you have two to three years of continuous trading history before you apply, you will have an easier time proving this.
Ensure that you have two to three years of certified accounts and bank statements available and the longer history you can show of a stable income, the better your chance of securing a competitive deal will be. Whilst some specialist lenders will be willing to look at Limited Company Directors with just one year’s trading history, however, the interest rates will be significantly higher in these circumstances.
What will count as income?
When you are Self-Employed, the type of business you carry out will determine what is considered income. In the case of a Limited Company Director, an average income calculated from the most recent two to three years of your personal salary and dividends is often used. A few lenders may also be willing to look at your retained business profits. However, there are also some lenders who will utilise the latest years figures rather than an average, if there has been growth that can be sustained.
How do I prove my income?
Certified accounts and SA302 tax forms for the required period will be required and some lenders will additionally ask for a tax year overview from HMRC and your business bank statements for the same duration.
PAYE
If your Limited Company pays you a salary as director, your payslips will not be adequate proof of income, only your accounts and SA302 form are accepted.
Dividends
SA302 or bank statements are ordinarily used to prove dividend income.
Retained Profit
If you choose to apply via a lender who will consider your net profits alongside your own income, it can be a complex process. It’s advisable to have an accountant to assist with this method of application.
What if I have fluctuating income?
Whether you’re a Sole Trader or a business owner, Self-Employed earnings often vary from year to year, so some degree of fluctuation is expected. If your profits decline concurrently, however, lenders will only consider your most recent year of earnings.
How much will I be able to borrow?
Your borrowing is assessed on your affordability (income minus outgoings) regardless of how it is earnt. You will therefore be able to borrow within the same range as a typical employed mortgage applicant, which is usually between three and five times your annual income.
What deposit will I need?
A typical minimum deposit requirement for a Standard Residential Mortgage is around 10%. If you have a shorter trading history or poor credit, you may benefit by offering more than the minimum requirement.
The Mortgage Guarantee Scheme, which was launched in April 2021 means that it is now possible for creditworthy applicants to obtain a 95% mortgage, which lowers the deposit requirement to 5%. Bear in mind, however, that this will increase interest rates.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Some Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.
Happy Clients
Jyoti Bains2026-04-02I’ve known Mohit for past so many years, and in that time I’ve seen firsthand just how dedicated, honest, and knowledgeable he is, both professionally and personally. As a mortgage advisor, Mohit goes above and beyond. He takes the time to really understand your situation, explains everything clearly (no jargon or pressure), and make what can feel like a stressful process so much smoother and more manageable. What really stands out is his integrity, you genuinely feel he has your best interests at heart. It’s rare to find someone who combines expertise with such a personal touch. Whether you’re a first-time buyer or remortgaging, you’re in very safe hands. Highly recommend to anyone looking for trustworthy, reliable mortgage advice!
Dripesh Chauhan2026-03-26I would like to thank you Mortgage Matchmakers in helping out the mortgage for our second home. Specially I would like to thank you Bhavna for her dedication and professionalism during the process. I will highly recommend Bhavna of Mortgage Matchmakers Limited for anyone looking for a mortgage. Dripesh & Reena
Jaya Bhardwaj2026-03-17Our experience with Bhavna from mortgage matchmakers has been absolutely fantastic. We have been using her for a while now to get mortgages on several of our properties, including buy to let properties purchased through our limited company and she has always managed to find fantastic deals for us. What particularly stands out is her communication, prompt responses to any queries and her efficiency. Even after the mortgage is approved, she constantly keeps looking to see if any better deals arrive on the market and lets you know if this is the case. She manages everything for you and we have never had any issues with any of the mortgage deals she has sorted for us. Doing business with her is a great pleasure and I would highly recommend Bhavna at Mortgage matchmakers for all of your mortgage needs.
Avanish Tantry2026-03-17I have used Mortgage Matchmakers for several mortgages now and am very happy with their service. Bhavna Grover, who has been our mortgage advisor, is excellent and I can’t recommend her enough. She is professional, very hard working, extremely prompt with her responses and gets things done in super quick time. She has always managed to find really competitive deals for me, including limited company but to let mortgages, and keeps looking out for better deals right till the end. I couldn’t ask for anything more and she completely takes the stress and hassle out of obtaining mortgages. If you are looking for a mortgage advisor and company, look no further than Bhavna and Mortgage Matchmakers.
Richard Smith2026-03-11Mohit was very professional and clearly has a good knowledge of the mortgage market. He was able to secure us a rate ahead of the increase that came in 8 hours later! Would highly recommend for all mortgage related enquiries.
Michael Wheller2026-03-04Excellent service and useful advice all the way through the process of setting up the new mortgage.
Julianaa Raghu2026-02-18I had an exceptional experience working with Mohit Mehra. As a first-time buyer, I was nervous about the process, but Mohit made everything feel straightforward and stress-free. He was incredibly responsive, patient and always answering my questions quickly and explaining complex terms in plain language. The communication was exceptional. I felt they truly had my best interests at heart and went above and beyond to ensure a smooth closing. I highly recommend their services to anyone looking for a reliable and professional mortgage broker!
Hameed Wahedi2026-02-01I was dealing with Ankur for my remortgage and I am highly recommend him to anyone looking to buy or remortgage their property. Thanks
Sope Famo2025-11-21Mohit from Mortgage Matchmakers was a pleasure to work with, making the process as simple as it could have ever been and was always on call to answer any questions. He was super helpful and impressively quick, which is rare when it comes to securing a property/mortgage. Thanks to Mohit we've had our mortgage approved and can move on to the next steps. I would highly recommend Mohit due to reliability and speed along but also his friendliness! Thanks a lot Mohit!!
Angela Kibia2025-11-20We had an excellent experience working with Mohit Mehra at Mortgage Matchmakers. From the beginning he was professional and very supportive. He made the whole process smooth as his communication was amazing. He was always quick to respond and provided updates. Thanks to Mohit we received a successful mortgage offer! We highly recommend Mohit to anyone looking for a reliable mortgage broker.