Mortgages for limited company directors

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Can I get a mortgage as a company director?

Yes, you can. It shouldn’t be difficult for limited company directors to get a mortgage, but sometimes it is. 

That’s usually not your fault, it’s the mortgage brokers and lenders who just aren’t set up to cater for people with complicated self-employment incomes. And that can definitely be the case for directors. If they don’t have the expertise and relationships to find you the best mortgage, they’ll refuse you or tell you it’s not possible. But that’s usually not right. 

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 year’s 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 complex, self-employed income. And that’s where we come in.

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.

Read our story

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.


Speak to a real person

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


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


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.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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

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