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Mortgages for Limited Company Directors

At JG Mortgage Services Limited, we have plenty of experience in helping limited company directors apply for a mortgage while getting a great deal for it.

What Makes Mortgages for Company Directors Different?

Mortgages for company directors differ because lenders must assess your income differently.

Instead of relying solely on payslips, they will look at a combination of salary, dividends, and sometimes retained profits in the business.

This unique income structure means your financial profile may seem complex to traditional lenders, requiring a more tailored approach to find the right deal.

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Key Considerations

Eligibility

Eligibility as a company director largely depends on factors such as your trading history, income level, credit score, and deposit amount. Most lenders prefer directors with at least one to two years of trading history, although options may exist for those with shorter timelines.

Additionally, your financial records, including accounts and tax returns, must demonstrate a reliable income.

Proof of Income

Proving your income as a company director also involves submitting documentation that shows your salary and any profits.

Lenders may also want to look at your company’s financial performance to ensure the business is stable and capable of supporting your income. Tax returns, SA302 forms, and bank statements are commonly requested to verify these details.

Documenting Trading History

Your trading history is important to determine your mortgage eligibility as a limited company director. Most lenders require at least one to two years of filed accounts to assess your business’s profitability and stability.

Accurate and up-to-date financial records, prepared and reviewed by a qualified accountant, are incredibly important to prove that you can be trusted with a loan.

Client Testimonials

      EXCELLENT  
   Based on 251 reviews 
    
 
 
 
   
 
 
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   Jack Mitchell 
 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve just secured our mortgage through JG Mortgage Services, and I can’t recommend them enough.

As a self-employed business owner, with my wife also working for the business, we knew our application might be a little more complicated than usual. We’d also made a significant investment in the business during the previous financial year, so although our performance over the past five years had been good overall, the recent accounts needed some explanation for potential lenders.

Josh and Joel worked closely with me and my accountant, explaining exactly what would happen, what questions we might be asked, what to expect and roughly how long the process would take. Their experience with self-employed business owners really showed, and I felt reassured throughout.

They helped the lender understand our business, the investment we’d made and why it had been planned. We’re very happy to say we received our mortgage offer with no issues at all!

They made a very worrying time much more manageable, and I wouldn’t consider buying another house, rental property or any other property without first picking up the phone to these guys.

Brilliant service. Thanks, JGM!
  
 
      Posted on Google  
   
   Jade LW 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely brilliant service from both Josh & Joel! Thank you so much for all your help and support throughout our mortgage process. You’ve both been amazing and made everything so much more easier. We really appreciate all your time, effort and patience, we honestly couldn’t have asked for a better mortgage broker and would highly recommend you both to anyone! Just wish we’d have got in touch sooner with looking into our options! Excited for our next chapter which, you have both made possible 🏡
  
 
      Posted on Google  
   
   Izzy Davis 
 
 
 
 Trustindex verifies that the original source of the review is Google. I honestly could not recommend JG mortgages enough! I was recommended them when initially looking for a house after becoming a single mum and being self employed. I was talked through what I could lend honestly. After deciding to a take a year getting more proof of income and saving, Josh got back in contact with me and has honestly took so much stress off me. I’ve managed to get accepted on a mortgage for a house I LOVE and never thought would be possible. JG has made a process I thought would be so stressful 1000 times easier and I couldn’t have done this without them! Would highly recommend them and honestly would never use anyone else after their service! Thank you so much lads!x
  
 
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   Alex Iacurti 
 
 
 
 Trustindex verifies that the original source of the review is Google. I genuinely can’t thank Josh and Joel at JG Mortgage Services enough for all their help throughout the whole mortgage process.

From start to finish, they have gone above and beyond to make what could have been a really stressful process feel so much easier. They were always on hand to answer questions, explain things clearly and keep me updated every step of the way.

What really stood out to me was how much they took off my hands. They were constantly liaising with other third parties and chasing things up on my behalf while I was busy getting on with everything else. It made a massive difference knowing that things were being dealt with without me having to worry about every little detail.

Both Josh and Joel have been incredibly helpful, professional and genuinely invested in getting everything sorted for me. You can tell they actually care about their clients rather than just seeing you as another application.

I honestly couldn’t recommend JG Mortgage Services highly enough. If you’re looking for mortgage advice and make the whole process as straightforward as possible, I’d definitely recommend giving Josh and Joel a call.

Thanks again lads, really appreciate everything you’ve done!
  
 
      Posted on Google  
   
   Natalie Gray 
 
 
 
 Trustindex verifies that the original source of the review is Google. I couldn’t recommend Joel and Josh enough!

As a first-time buyer, the whole mortgage process was completely new to me and, at times, quite overwhelming. Joel and Josh were absolutely brilliant throughout the entire process. They were always there to answer my questions, explain everything clearly and keep me updated, which made the whole experience so much easier and less stressful.

They were incredibly helpful, professional and patient, and I always felt like they genuinely had my best interests at heart. Thanks to their hard work and guidance, I’m now officially mortgage approved and one step closer to getting my first home! 🏡❤️

I’m so grateful for everything they’ve done and would 100% recommend JG Mortgage to anyone, especially first-time buyers.

Thank you so much !!
  
 
      Posted on Google  
   
   Izzy Hosking 
 
 
 
 Trustindex verifies that the original source of the review is Google. After originally contacting JG Mortgages last year, they worked closely with us until we were able to get a better mortgage deal. They gave us genuinely human advice and there have been times where me and my partner have felt like we’re the only case that Josh and Joel have been dealing with because their communication is so thorough and they go way above and beyond what is normally expected of a mortgage broker. Josh and Joel are worth their weight in gold!

We are so over the moon with that we’ve finally been able to get a full mortgage offer, despite it taking a little longer than expected to get there (which was through no fault of theirs), but are so excited to finally be moving into our dream first home!
  
 
      Posted on Google  
   
   Ellie Harrison 
 
 
 
 Trustindex verifies that the original source of the review is Google. Couldn’t recommend Joel and Josh enough! They have been so helpful throughout the entire process, answering all our questions and giving quick responses. Worth every penny!
  
 
      Posted on Google  
   
   niamh dromgoole 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot thank Josh and Joel enough for their help literally from start to finish of the whole process. They guided me and listened to all my silly questions as I really didn’t have clue where to start! Went above and beyond to help me secure the best deal. Thanks both
  
 
      Posted on Google  
   
   Jade Martin 
 
 
 
 Trustindex verifies that the original source of the review is Google. This is our third time using JG Mortgages and we wouldn’t use anyone else. Both Josh and Joel go above and beyond to provide an exceptional service! Communication is second to none and they really can’t do enough for you. Always receive excellent service and always recommend to friends. Thanks both!!
  
 
      Posted on Google  
   
   BiancaSophia 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you so much! Josh and Joel were amazing from the beginning of the journey right to the end. They offer continual support throughout the whole process which is was invaluable to us. I couldn’t recommend enough♥️

Contact Us Today For Support

At JG Mortgage Services, we specialise in assisting company directors with securing the right mortgage. We understand the issues you face when trying to get a mortgage as a Limited Company Director.

Our team can get you in touch with a wide range of lenders who are experienced in dealing with self-employed applicants. We try to simplify the application process for you as much as we possibly can. If you need some expert advice on mortgages, please don’t hesitate to reach out to our team.

Late appointments are available upon request, please email info@jg-mortgage.com if you wish to arrange an appointment outside of our core hours.

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