Retained Profit Mortgages.
Calculated, Not Guesswork.
Most lenders look at your tax return. We look at your retained profits, your director's loan account, your growth trajectory, and your future contracts. That's the difference between rejection and keys in hand.
The Problem with Complex Income on the High Street
Self-employed? The mainstream lending criteria weren't designed for you. Here's what we hear from clients before they find us.
Minimal Salary, High Dividends
You draw £12,570 salary for tax efficiency, but lenders only see the salary. We connect you with lenders who assess salary plus dividends plus retained profits.
Less Than 2 Years of Accounts
Many lenders require 2-3 years of accounts. We know which accept 1 year, project future income, or consider contract value.
Variable Income
Project-based work means lumpy revenue. We find lenders who average income sensibly, not those who fixate on your worst month.
Mixed Income Sources
Part employed, part self-employed? Rental income? Multiple businesses? We structure applications to maximise all income streams.
The Complex Income Approach
We apply forensic accounting logic to your case. Here's how we see what other lenders miss.
Retained Profits Analysis
We don't just look at what you've drawn. If your company has £100k sat in retained profits, that's lending power most lenders ignore.
Director's Loan Account Review
Money you've lent back to your company is an asset. We find lenders who consider this in affordability calculations.
Growth Trajectory Assessment
If your revenue has grown year-on-year, that's a story of stability. We present this narrative to underwriters who appreciate it.
Tax Efficiency, Not Penalty
You pay yourself tax-efficiently because you're savvy. We find lenders who reward this, not penalise it.
Real Case.
Real Approval.
The Situation: Company director with minimal salary (£12,570), dividends of £40,000, and £85,000 retained in the business. Three high street lenders declined based on “insufficient income.”
The Logic: We presented the case to a specialist lender who assessed salary + dividends + net profit share. Total assessable income: £137,570.
The Outcome: Approved at 4.5x income. Mortgage of £619,000. Keys in hand within 8 weeks.
What Could You Actually Borrow?
Our Logic Check analyses your income structure against real lender criteria. No credit check. No obligation. Just clarity on what's possible.
Start Your Logic CheckTakes about 5 minutes. Receive your options within 48 hours.