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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

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   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!
  
 
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   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!
  
 
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   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
  
 
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   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!!
  
 
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   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♥️
  
 
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   luke graham 
 
 
 
 Trustindex verifies that the original source of the review is Google. 10/10 service
  
 
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   Luci Thomas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can't recommend Josh & joel highly enough. from day one both were very welcoming,  informative and truly invested in securing us the best deal possible for our remortgage. What we feared would be a long and stressful process ended up being the complete opposite, with Josh and Joel both being so chilled laid back and knowledgeable this really put us at ease, nothing was ever to much trouble for them and constant updates made the whole process go so smoothly and quick, again making things as stress free as possible for us. Will definitely be using  JG Mortgage services again in the future and would highly anyone & everyone to do the same.
  
 
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   Risje Ditchburn 
 
 
 
 Trustindex verifies that the original source of the review is Google. I just wanted to say how incredible Josh and Joel have been throughout the entire process of helping us with our new home. From the very beginning, they took the time to explain everything clearly, kept us updated throughout, checked in regularly, and were always supportive and understanding. Even after our mortgage was accepted, they continued to be there for us. No question ever felt like a hassle, and they were always happy to help. They made what could have been a stressful experience so much simpler and smoother. I would highly recommend Josh and Joel to anyone, whether you’re a first-time buyer or selling your home. Their professionalism, knowledge, and genuine care made all the difference. Thank you both for all your help! Xxx
  
 
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   Josh Dursley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service start to finish. Would highly recommend!
  
 
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   ashley gray 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing team at JG mortgages. Always readily available to answer questions and making the process a lot quicker and less stressful. Highly recommend

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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