See What You Could Really Borrow as a Company Director
Most lenders only look at your salary and dividends — we find the ones that assess your full director income, including retained profits. The difference can be tens of thousands in extra borrowing.
- FCA-regulated mortgage advice
- Whole-of-market lender access
- Specialist in director income structures
Common Scenarios We Help With
Limited company directors often have more complex income structures. We regularly assist clients in situations such as:
- Directors retaining profits within the company for tax planning.
- Recently incorporated businesses where accounts demonstrate strong performance.
- Directors whose income fluctuates between years.
- Companies with multiple directors or shareholders.
- Contractors operating through limited companies.
How It Works
Tell Us About Your Situation
Fill in the short form — it takes under a minute. No credit checks, no commitment.
We Find the Right Lenders
We identify which lenders will assess your full director income — not just salary and dividends.
Get Your Personalised Recommendation
Your dedicated adviser calls you with a clear picture of what you could borrow and the best route forward.
Prefer to Speak to Someone Now?
Talk directly to an FCA-regulated mortgage adviser who specialises in director income.
0800 652 1417Why Mortgages Work Differently for Company Directors
As a limited company director, your income doesn't fit neatly into a standard mortgage application. You've structured things smartly — a modest salary, dividends, and profits retained in the business for tax efficiency and growth. But most lenders don't see the full picture.
Many high street lenders only assess salary and dividends, which can seriously undervalue what you can actually afford. The right lender, however, will look at your salary alongside your share of net profit — and that changes everything.
This is where Frankly makes the difference. We know which lenders take a flexible view of director income, because we work with them every day. Our whole-of-market access means we match you with lenders who assess your income fairly, not just the ones with the simplest criteria.
We've helped hundreds of directors unlock borrowing they didn't think was possible — without the runaround.
How Lenders Assess Director Income
Lenders typically use one of three approaches when assessing mortgage applications from limited company directors.
Salary + Dividends
This is the most common approach. The lender assesses your income based on your director salary and dividends declared through your personal tax returns.
Salary + Net Profit Share
Some lenders will consider your salary plus your share of the company's net profit. For directors who retain profits in the business, this approach can increase borrowing potential.
Company Accounts
In certain cases, lenders will also consider the overall financial health of the company, particularly where accounts show strong and consistent performance.
Knowing which lenders apply each approach helps ensure your application is assessed in the most favourable way possible. That's exactly what we do at Frankly.
GET YOUR FREE ASSESSMENT
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.
Frankly Group Limited, Thatcher House, 12 Mount Ephraim, Tunbridge Wells, TN4 8AS. Our Companies House number is 16214327. We are authorised and regulated by the Financial Conduct Authority. Our FCA number is 1037942.