4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Private Finance provides independent, whole-of-market mortgage advice designed specifically for company directors, managing directors, and business owners.
As a director, your financial profile is often more complex than a standard salaried employee. Your income may be drawn through a combination of salary, dividends, and retained profits, and your company structure may involve multiple shareholders or holding companies.
Lenders who specialise in professional mortgages regard company directors as financially stable, high-earning borrowers.
This approach can unlock meaningfully higher borrowing limits, more competitive interest rates, and more favourable loan-to-value (LTV) ratios compared to standard residential mortgage products.
If your income is drawn through a mix of salary, dividends, and retained profits, we help structure your application with lenders who assess director income more accurately.
For company directors, shareholders, and business owners with more complex income structures, we arrange specialist mortgages designed around how your finances actually work.
If you have recently become a director or launched a business, we help secure mortgages with lenders who may consider one year’s accounts and a strong overall financial profile.
Whether you are switching rate, releasing equity, or expanding into investment property, we source remortgage and buy-to-let mortgage solutions tailored to directors.
If you draw both a salary and dividends from your company, many specialist lenders will combine both income streams when calculating how much you can borrow. Some will go further and factor in retained profits held within the business, significantly increasing your overall borrowing potential. Our brokers know which lenders take this approach and how to present your case to maximum effect.
If you’ve recently become a director or set up your own business, you may assume you won’t qualify for a competitive mortgage. In fact, some lenders will consider applications based on as little as one year’s accounts, provided your trading history is positive and your personal financial profile is strong. We identify suitable lenders for your stage of business and present your application in the most compelling way possible.
Whether you’re looking to reduce your monthly payments, release equity, or move to a more competitive rate, remortgaging as a director requires the same specialist approach as your original purchase.
Private Finance compares your current mortgage against the whole market to identify where genuine savings or improvements can be made.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Company directors are considered particularly attractive borrowers by buy-to-let lenders, due to the perceived stability of business ownership and the flexibility of director income.
For directors building or expanding a property portfolio, tax efficiency is often as important as the borrowing terms themselves. We provide guidance on the most appropriate ownership structure — personal versus limited company — and ensure the mortgage product you select aligns with your broader investment and tax planning objectives.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Yes. Changes in income — whether due to business growth, a shift in how you draw earnings, or a change in company structure — don’t prevent you from remortgaging. We’ll assess your current financial position and identify lenders who can accommodate your updated income profile.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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