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Self-Employed Mortgages

It is important to understand that different lenders have different approaches to applications from company directors and other self-employed applicants.

Some lenders base their assessment on your latest year's net profit figure, whereas others use an average of the last 2/3 years’ salary and dividends. Some lenders require 3 full years of finalised accounts, others can work from just one. Consider that some lenders do not even require dividends to be paid in order to use your company’s profit. The tax implications of not receiving expert advice are huge.

We will discuss your company’s structure, performance and needs. The lender we recommend will base their lending decision on your company’s optimal characteristics.

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