Mortgages for Limited Company Directors

Are you looking at getting a mortgage as a company director? Mortgages for business owners can sometimes be tricky so we recommend that you speak to the experts

Whether you own a small family run business or a large-scale corporation, mortgages for company directors can come with requirements and niches that you might not be aware of

We at Oportfolio are here to guide you through the process smoothly. As a company director there is a lot of things that people expect of you. Your business partners expect cooperation and results, your employees expect leadership and guidance, and your bank expects financial success. When getting a company director mortgage, the lender expects the same.

Whatever your situation, company director mortgages require you to be both financially sound and financially stable with your business. By talking to and working with an expert mortgage broker, we can make sure that you are in the best position financially to achieve the mortgage goal you are aiming for.

Mortgages for Company Directors

Getting a mortgage as a limited company director

When looking for a mortgage, company directors are assessed differently to your standard PAYE employee. It’s no secret. Mortgage lenders see the financial stability of a company director as something directly influenced by the status of their business. Unfortunately, if your business is not profitable then they lose some confidence in your ability to pay your mortgage back.

Lenders who offer a mortgage for company directors normally look at your affordability in one of two ways. They will either look at your salary and dividend received from the business which would be outlined in the full company accounts, or some lender can potentially use the salary you have paid yourself and the businesses net profit for the year. In either scenario, the lender will normally take an average of the last 2- or 3-years figures to find a final income figure for you.

Without an in-depth knowledge of specific lenders criteria and their limited company director mortgage process, you can easily display the wrong income figures to a lender, delaying the mortgage process and receive a lower mortgage offer as a result. That’s where Oportfolio come in. With years of experience in helping business owners to find the perfect mortgage, we like to think that there is no company director mortgage scenario too complicated, and it is our mission to turn your dreams in to reality.


At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

Oportfolio Brochure

We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

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