Mortgages for directors and the self-employed.

If your income comes from salary, dividends, retained profits, or self-employed earnings, many lenders won't take the full picture into account. We work with the ones who will.

Book a free consultation How it works
Specialist lenders No broker fee FCA Regulated
The problem

You don't always get the mortgage you deserve.

If you're self-employed or a director, lenders don't always count your full income, especially if you pay yourself in dividends or retain profits in your business.

That can result in you being offered lower borrowing limits, higher interest rates, or being told you don't qualify for mortgages you can comfortably afford.

This is where our team can help.

How we help

Your whole income counted

We work with lenders who include salary, dividends, and retained profits in their affordability calculations, not just your PAYE.

Specialist lender access

Many of the lenders who handle director and self-employed cases aren't available directly to the public. We work with them daily.

Expert approach

How your income is presented to a lender matters almost as much as the numbers. We'll package your application so it's seen in the right light by the right lender.

Common situations we help with

Here are some common problems directors and self-employed applicants face that we can help with.

Salary + dividends
If you take a small salary and pay yourself mostly through dividends, many lenders won't factor the dividends in fully. We work with the ones who do.
Retained profits
If you leave profits in your limited company for tax or investment reasons, some lenders can include those in your affordability. It depends on the lender and your company structure.
One or two years of self-employed accounts
Three years of accounts isn't always a hard requirement. Some lenders may consider applications with less, depending on your circumstances.
Contractors and limited company freelancers
Day-rate contractors working through a limited company can find their true earning power isn't always recognised. We know lenders who take a different approach to contract-based income.
Multiple income sources
Directors with side businesses, property income, or overseas earnings can struggle to get everything counted in one place. We know lenders who will consider a wider view.
Previously declined
A decline from one lender doesn't mean you can't borrow elsewhere. The right lender depends on why you were declined, and we'll look at where to go next.

Your Mortgage in 3 Steps

From first call to completion, we handle the full application process for you.

Step 01

Tell us about your income

Share how you're paid: salary, dividends, retained profits, or self-employed earnings. We'll work out what a lender could consider.

Step 02

We find the right lender

We compare deals from over 90 lenders, including specialists who understand director and self-employed income structures.

Step 03

We manage the full application

From paperwork to completion, we handle the presentation of your accounts and income so your application is seen in the best light.

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What our clients say

★★★★★

"Leo assisted me with my BTL mortgage and has been extremely helpful. He managed to get me a great rate and I was happy with the outcome."

S
Saurabh
Director, ARB Accountants
★★★★★

"He was able to assist us with both commercial and residential mortgages and has always managed to get us a good rate."

G
Gerald
Director, Actarus Services
★★★★★

"This is our first time using the mortgage services. We are happy with the outcome and would definitely use him again."

L
Louis & Weslei
Directors, Welo Curtains

Let's have a chat

No obligation, no cost. Just honest advice about your options. We'll get back to you within a few hours.

Email us or Give us a call →

FCA Regulated · No obligation · No broker fee

FAQ

Common questions

Can you help if I only have one year of self-employed accounts?
Some lenders may consider applications with one year of accounts, though the options are usually narrower. We'll look at who's most likely to consider you given your circumstances.
Can retained profits count towards my mortgage?
For some lenders, yes. Not every lender factors retained profits in, but several do. It depends on your company structure and how those profits appear in your accounts.
How are dividends assessed?
Many specialist lenders take a view of salary and dividends combined, often averaged over one or two years. The exact approach varies between lenders.
I was declined by another lender. Can you still help?
Often, yes. A decline from one lender doesn't mean you can't borrow elsewhere. The right lender depends on why you were declined, and we can look at where to try next.
What documents will I need?
For directors, typically the last two years of company accounts, SA302s or tax year overviews, and recent business and personal bank statements. For sole traders, SA302s, tax year overviews, and accounts if you have them. We'll give you a specific list once we know your situation.
Do you charge a fee?
No. Our advice is completely free. We're paid by the lender if you go ahead, so there's no cost to you.
How long does the process take?
Most applications take around 2 to 4 weeks from submission to a formal mortgage offer. More complex income cases sometimes take longer, and we'll keep you updated throughout.
What about the renewal reminder service?
If you'd like, we can add you to a list and get in touch when your mortgage is up for renewal, so you don't miss the window to look at a better deal. There's no obligation, and we'll only help if you still want us to when the time comes.

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moneybox Financial Management is a trading name of Moneybox Financial Management Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Moneybox Financial Management Limited. Registered Office Address: 1386 London Road, Leigh On Sea, Essex, England, SS9 2UJ. Registered in England Number: 10974334.