Mortgages For Company Directors

Get in touch for a free, no-obligation chat with our trusted advisers about how we might be able to help you.

What's On This Page?

Get In Touch
1 Step 1

By sharing your details, you consent to our contact and that you have read and agreed with our privacy policy and just in time statement


Mortgages for company directors can be complex, time-consuming and difficult to secure. This is because lenders often see self-employed people as higher-risk borrowers. The challenges of securing a mortgage as a company director can include:

  • Finding the right mortgage product to suit your circumstances
  • Navigating your way around lender criteria which differ, especially for business owners
  • Proving your income which isn’t always as straightforward for the self-employed
  • Taking the time out from your schedule to find, compare and complete all the paperwork


At The Mortgage Stop, we have a wealth of experience in helping company directors secure mortgages. We can offer you tailored advice to suit your individual circumstances and help you find the right mortgage product for your needs, contact us today to find out more.

Why should you use a mortgage adviser?

If you’re a company director, then you’ll know that your financial situation can be complex. This is especially true when it comes to taking out a mortgage.

There are many different types of mortgages available, and the process of applying for one can be confusing and time-consuming. That’s why it’s important to get expert advice before you make any decisions.

At The Mortgage Stop, we have a team of experienced mortgage advisers who can help you find the right mortgage for your needs. We’ll take into account your complex income, your outgoings, and your overall financial situation. We’ll then provide you with tailored advice to suit your individual circumstances using our access to the whole of the market.

So, if you’re a company director and you’re thinking of taking out a mortgage, make sure you get in touch with The Mortgage Stop today. We’ll be happy to help you find the right mortgage for your needs. 

Case Study

Company Directors

Sometimes limited company directors find themselves in complex situations. One limited company director we helped had multiple businesses, a mortgage on his current home and wanted to buy a house with two dwellings on it so he could share the property with his parents. The client had been struggling to find a lender until he spoke to us!

Mrs H, a director of multiple limited companies with complex business arrangements and with her income derived from salary and dividends across his different companies all at varying net profit, wanted to move to a property that had two dwellings on it so she could bring her elderly parents to live with him. Mrs H required a mortgage to help fund the transaction but she was struggling to find a lender that would look at the multiple complex issues:

  • Limited company director income from multiple companies
  • A gifted deposit from the parents from the proceeds of the sale of their home and then would live with Mrs H at the new home
  • A property that has multiple dwellings on the land (all under one lease)

Effectively there were three factors that lenders were being put off by. Some accepted Mrs H’s income but not the property’s two dwellings, others approved the property but weren’t willing to accept the gifted deposit gift as the parents would then be living at the address, and the combination of reasons not to lend continued with each lender she tried. 

Case Study

How we helped

After speaking to a frustrated Mrs H we took control of the situation for her. We broke the process down into 4 steps.

  1. Validated Mrs H’s income to ensure that she could afford the mortgage. We consolidated the information into a concise story that showed our client was in a good financial position and we ensured the documents were ready to help back it up.
  2. We did our research on the property, how much land there was, what it was being used for and when and why there were multiple dwellings on the land.
  3. Our assessment of Mrs H’s income and the property yielded high confidence in her eligibility for a mortgage, which led us to reach out to contacts at various lenders, including ones he had already been declined with.
  4. Once we had 3 or 4 lenders on board, including a lender that had declined Mrs H originally, we were able to give our client a range of options to enable her to realise her ambition.
    We were able to secure Mrs H her mortgage with a lender that had originally said no. Mrs H was able to complete on her property and, her parents now live with her in a cottage just yards from Mrs H’s house.


This case study is a perfect example of the type of complex scenario we can deal with. We were able to understand Mrs H’s situation and provide solutions tailored specifically for her, including the deal with a lender who had said no originally!

If you’re struggling to secure your mortgage or want advice on how to get one in the first place, let us know. Our team can offer expert advice that will suit any complex circumstances like Mrs H’s complex income, gifted deposit and two dwellings under one lease! It makes sense to talk to a qualified mortgage broker, give us a call today. 

You are now leaving the website of The Mortgage Stop Ltd and we cannot be held responsible for the content of this external website.
You are now leaving the website of The Mortgage Stop Ltd and we cannot be held responsible for the content of this external website.
You are now leaving the website of The Mortgage Stop Ltd and we cannot be held responsible for the content of this external website.