• How much can I borrow?
  • How much deposit will I need?
  • Can my dividends be considered as salary?
  • What proof of income will I need?
  • How many years of accounts should I have?

If you’re a business owner or limited company Director, getting a mortgage might seem like an impossible task but it can be easy if you know where to look. High-street banks can have particularly difficult lending criteria and that’s why it’s vital to choose a trusted mortgage adviser with access to a wide range of products from across the mortgage market – and that’s exactly what we are. With our product knowledge and market expertise, we can identify the lenders which are most likely to accept a mortgage application with your unique requirements and ensure you get the most suitable finance deal on your future property purchase or remortgage.

One of the main challenges for company directors and business owners is being able to prove they have sufficient income. Paying a salary below the tax threshold and then topping up with dividends is commonplace, as is leaving significant amounts of profit locked in the business for tax efficiency purposes. But using either of these strategies doesn’t have to put an end to your ability to get a decent mortgage. We work with over 50 lenders, many of which will take into account your dividend payments and many others which are happy to include your company profit in earnings calculations. By using our services, you’re able to cut out weeks of searching and filling in forms. Our trusted mortgage expert will give you the very best chance of a successful mortgage application.

Running your own company can make life challenging enough, but buying a home doesn’t have to be an additional burden. Our expert mortgages adviser help business owners and company directors just like you every single day. So if you want to find the most suitable mortgage deal for your next property purchase, forget the banks and mortgage comparison websites. Come and speak with the experts. Call Credius today on 020 7562 5858 or email us at mortgages@credius.com.

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Borrowing to Buy Factsheet