Mortgages for limited company directors

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Can I get a mortgage as a company director?

Yes, you can get a mortgage as a limited company director! But it can be a little more difficult compared to someone who’s a full-time employee. 

This is because a lot of mainstream mortgage brokers and lenders just aren’t set up to cater for people with incomes that differ from the norm. Limited company directors are usually classed as self-employed, and a lot of mortgage lenders don’t like complexity.  

Company director incomes can be complex for all kinds of reasons. Maybe the company is new and hasn’t been trading for that long, which means you don’t have three years’ worth of accounts. Maybe you’re not sure what you can count as your income. Or maybe you have retained profit and need to be able to use that as a source of income.

Whatever the reason, you just need to speak to a specialist mortgage broker who specialises in different incomes. And that’s where we come in. Our platform matches you with the ideal broker for your situation. Your broker will have plenty of experience getting mortgages for limited company directors, and will make your application look as good as possible to lenders.

Got questions?

How long must I have been a limited company director to apply for a mortgage?

What can be counted as income as a company director?

What kind of deposit will I need for a mortgage as company director?

Can I borrow based on my company’s retained profits?

How does bad credit affect my chances of getting a mortgage if I’m also a company director?

What if my business has made a loss? Can I still get a mortgage?

Can I get a mortgage if I’ve recently changed my trading style?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

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Ben Patten

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Luke Grosse

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Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Jemma Talliss

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Paul Clark

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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Get connected to a specialist self employment mortgage broker who can make a mortgage possible for you.

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