Self-Employed & Director Mortgages
Maximising your true borrowing potential through strategic corporate income analysis.
Securing a mortgage when you are self-employed, a sole trader, or a limited company director requires a highly sophisticated approach. Traditional high-street lenders often rely on automated, rigid algorithms that fail to interpret the nuances of entrepreneurial income accurately. Because different lenders have radically diverse approaches to evaluating company directors, submitting an application without expert structuring can artificially limit your borrowing capacity or lead to unnecessary rejections.
We understand that your business accounts reflect smart tax planning, not a lack of financial strength. Whether a lender reviews your latest year's net profit or takes an average of your salary and dividends over the last two to three years completely changes your outcome. We dive deep into your company's structure and performance to match you with lenders whose underwriting criteria align with your optimal business characteristics, ensuring your hard work is fully recognized.
Retained Profit Utilisation
We work with specialist lenders who can base their calculations on your total share of net company profits before tax, completely bypassing the need for you to actually draw down dividends and trigger personal tax liabilities.
Flexible Account History
While mainstream banks typically demand three full years of finalized accounts, we leverage agile lenders who can secure competitive mortgage offers using just a single year of certified trading history.
Strategic Structure Assessment
Whether you operate as a Sole Trader, Partnership, or Limited Company, we analyze your salary, dividend mix, and director's loans to present your income in its most financially powerful light to underwriters.
Running your own business takes dedication, and your mortgage process should reward that success rather than penalizing it. The tax implications of choosing the wrong lending path can be substantial. We pledge to act as your financial advocate, working closely with your accountant where necessary to thoroughly evaluate your company’s optimal characteristics. By presenting your true financial strength seamlessly to the right specialist underwriters, we ensure you secure the premium property and competitive rates you deserve.
LENDERS WORKED WITH
150+
CLIENT SATISFACTION
98%
YEARS EXPERIENCE
16+
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Most Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable in any other country that may have access to it.
TSK Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. Registered in England No. 2412345.
Approved by The Openwork Partnership on 24/03/202