Penalised for Tax Efficiency? We Use Your Actual Company Profit.
Limited company directors who take low salaries and retain profits are routinely declined by high street banks. We find lenders who assess what your business actually earns — not just what you choose to draw.
The More Tax-Efficient You Are, The Less You Can Borrow
That's the absurd reality of high street lending. You built a profitable company. You manage your finances smartly. And you're punished for it.
£12,570 Salary = £56k Mortgage?
You take a tax-efficient salary. Your company nets £180k profit. But the bank sees £12,570 and offers you a mortgage you couldn't buy a parking space with.
Retained Profits? What Retained Profits?
Your company has £200k on the balance sheet. You've deliberately not drawn it because you're reinvesting. The high street pretends that money doesn't exist.
Dividends Averaged Down
Last year you drew £60k in dividends. The year before, £35k (because you were reinvesting). The bank averages them to £47,500. You lose £12,500 of real income.
Multiple Directorships = Confusion
You're a director of two companies. Both profitable. But automated systems can only handle one at a time — and they usually pick the smallest.
How Specialist Lenders Build Your Income
High street banks see £12,570. Specialist lenders see £145,570.
At 4.5× income = potential mortgage of £655,065 vs £56,565 on the high street.
Recruitment Agency Owner. Retained Profits Doubled Her Borrowing.
Our client — a 100% shareholder in a recruitment company in Leeds — took a salary of £12,570 plus £50,000 in dividends. Santander assessed her on salary + dividends = £62,570 and offered £281,565.
Her company's net profit was £140,000 with £90,000 retained on the balance sheet. We found a specialist lender who assessed salary + dividends + net profit share = £152,570. She was approved for £686,565 — enough for a 4-bed detached in Ilkley.
How It Works
Three steps. Your full income. No penalties.
Send us your company accounts
SA302s, company accounts, and your accountant's details. We'll identify every income stream the high street is missing.
We calculate your real income
Salary + dividends + your share of net profits (including retained). We find the lender whose criteria gives you the highest assessable income.
Case presented to a human underwriter
No portals. No algorithms. Your application goes directly to a specialist underwriter who understands business owner structures.
Why Business Owners Choose Us
FCA Regulated
Authorised and regulated. Your business and personal interests are protected throughout the application.
90+ Specialist Lenders
Including lenders who specifically underwrite for retained profits, multi-directorship, and complex company structures.
No Upfront Fees
We don't charge until your mortgage completes. You've already put enough capital into your business.
Frequently Asked Questions
Answers for limited company directors and business owners.
Your Company's Success Should Unlock More, Not Less
Stop being penalised for running a profitable business. Let's find a lender who rewards it.