1000’s of deals & leading rates
Don’t think you can borrow enough? We’ll help, all income sources considered
5% Deposit, minimum 1 year trading history
We Make It Simple To Get A Great Deal
Best Mortgages For Directors
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Over 3145 reviews. Rated as Excellent
Trusted by over 7722 people to arrange their mortgage
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Tailored made deals
We understand the contractor mortgage market. From familiar high-street banks to exclusive specialist lenders, you’ve never heard of, we work with the top banks to improve your choice and chances of getting a great deal.
Why Us
Specialist Mortgage Advisors
Experts in mortgages for Directors. We specialise in helping the unique, the trailblazers, and the complex.
Free consultation & No-obligation
Free, no-obligation chat. Find out what your options are
Advisers on Hand until 10pm
Support staff and brokers are available until 10pm. Over 75 members to help you
Company Director Mortgages – Made Simple
Company directors come in many different forms. Some company directors are employees, although many are self-employed; some have sole ownership of a limited company, others share ownership with others. Whatever type of company director you are it’s important that you get advice from a mortgage broker who understands the fundamental differences different types of company directors will face when looking for a mortgage.
We understand that the busy lives of company directors can make it difficult to commit the time needed to source the most competitive deal. So why not call us today and discover how we can help you.
Typical problems Directors face when getting a mortgage
We understand the obstacles directors often face when seeking a mortgage. Let our dedicated team of mortgage specialists guide you through the challenges that contractors commonly encounter. Borrowing Made Possible
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Directors often have complicated income structures that include salary, dividends, retained profits, etc. As specialist advisers, we can help navigate this complexity and present your case to lenders in a way they understand and appreciate
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Profits may vary from year to year, which can make it harder to prove a steady income. We can help by identifying lenders that are willing to look at the average income over several years or those that will consider your most recent year of higher income.
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Directors of newer businesses might struggle because they lack years of accounts or a track record of success. We can connect you with lenders who specialize in financing for new businesses
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Directors with high net worth might have substantial assets but a lower regular income, which can complicate mortgage applications. We can assist in identifying lenders who consider overall wealth and assets, not just income
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Directors of limited companies sometimes leave money in the business for tax efficiency. We can find lenders who'll consider retained profits when assessing affordability.
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Directors, like anyone else, can have past credit issues. We know which lenders are more flexible and understanding about past credit problems
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Directors may be part of complex business structures such as partnerships, holding companies, and subsidiaries. Traditional lenders may struggle to understand the financial intricacies of these arrangements. As specialist advisers, we're experienced in dealing with complex business structures. We can effectively communicate the details of your business structure and its financial health to the lenders, helping them understand your mortgage affordability.
Mortgage steps
As specialist advisers, our job is to understand your unique situation as a director and match you with the right lender. We'll guide you through the process, helping to simplify what can be a complex and time-consuming journey.
Get in touch - we’ll ask about your circumstances and goals, to see how we can help. We love a challenge and specialise in helping when it’s tricky.
Decision made - when you are ready to proceed your personal mortgage team of underwriters and support staff work tireless on your application and paperwork, to ensure your case is approved quickly
Options - we’ll explain your options, fees involved and important details, allowing you to make an informed decision. There are no upfront fees, and there’s no obligation to proceed.
Not all company directors are the same
The term ‘company director’ is used in a variety of contexts to describe different roles and employment status. This can be confusing if you are trying to find a mortgage lender who will understand your individual circumstances.
In terms of employment status, it’s important to note that some of the above will be considered, or consider themselves an employee, while others will be considered self-employed. But that’s not all. Where it can get complicated is that you may be considered an employee for tax purposes, but when you come to apply for a mortgage, lenders will could consider you to be self-employed.
Add to this the complex way in which company directors’ income can be made up and you can start to see why talking to a specialist broker with experience of sourcing mortgages for company directors would be advantageous.
Simply the Best!!
Where do I start! I'm Self Employed, I have limited company accounts and my credit score isn't perfect. I spoke to my normal trusted financial advisor who did his best but could only obtain 60% of the required loan amount through his network of lenders. I then spoke to a friend who is an IFA and he wanted to charge me a load of money upfront just to look at the case. I then found Simply and they took on the challenge on a no-mortgage offer no fee! (I had nothing to lose) Henri, Charlotte ( and I must mention John Hall) all got behind my application and moved heaven and earth to get me that magical offer. This isn't a quick process but its thorough. The team went through all my paperwork (accounts, HMRC returns, bank statements) and chose to place my application for the correct lender. They don't use a scatter gun approach and targeted my application with the best lender for our circumstances.
Long story short,
Other IFAs 0
Simply 1
P Jones
27 June 2022
