Mortgages For Company Directors

Getting a mortgage as a company director isn’t always straightforward – and you’re so busy running your business that you haven’t got time for endless paperwork, phone calls to banks or lots & lots of googling!  Let the experts at The Financial Guys take care of it.

Our expert team understands the unique circumstances of being a company director, meaning that we can help you select the most appropriate mortgage product based on your circumstances and what’s important to you. 

As a company director it can sometimes feel like everyone looks at you for answers, but with The Financial Guys in your corner securing your dream home is one less thing for you to think about.

How Can We Help?

Expert Guidance

Our team of mortgage experts understands the complexities of mortgages for company directors – making sure we help you get the most suitable product to meet your financial goals.

Extensive Panel of Lenders

We’re not tied to any particular lender, so we’re only interested in getting you the most suitable product for your circumstances – not sales targets!

Modern & Streamlined Process

We know you’re busy so our process makes securing a mortgage as quick and easy as possible, using the latest technology and evening/weekend appointments to suit you.

What Do People Say About Us?

The Financial Guys Process

Mortgages for company directors can be an effective way to invest in property. However, it’s essential to understand the specific requirements, benefits, and risks associated with mortgages for directors. With the right preparation and guidance, the process can be smooth and efficient. We put the essential steps in place for you to obtain a directors mortgage, tailored to your specific needs.

Initial Chat

We’ll book you in for a completely free, no obligation chat with our mortgage team to allow us to quickly assess what options might be available to you and to answer any questions you have.

Decision In Principle

After the intial chat, we’ll ask for the information and documentation we require to get you a decision in principle – this will give us an indication of how much a mortgage provider is willing to lend you for your rental property.

Find A Property

This is the fun part where you go and find a property that fits your budget.  With our expert knowledge of the local area, we can help make sure that you don’t pay too much for a property and that you one you pick will help you achieve your financial goals.

Full Application

Once you’ve chosen the property and had an offer accepted, we get the ball rolling with a full application – and you’ll have the keys in your hand before you know it!  We’re there every step of the way, to keep you fully up to date with the process and answering any questions you have on the way.

We Hold Your Hand Every Step Of The Way

Navigating the home-buying process can be daunting, but with our comprehensive financial service, you’re never alone. We hold your hand every step of the way, providing expert guidance and support until you get your keys.

Start Today – Book A No Obligation Chat

Our 15 minute initial chat allows us to assess the best way to help you and to answer any questions you have about buy to let mortgages.

About Us

At The Financial Guys, our mission is to help you achieve financial security and peace of mind. We understand that every client’s financial situation is different, and we pride ourselves on offering personalised advice that aligns with your individual goals and circumstances.

As a family-run business, we infuse our family values into every decision we make. This approach ensures that our clients remain at the heart of everything we do, enabling us to consistently deliver outstanding customer experience. Together, we strive to achieve the best possible outcomes for each and every one of our clients. In essence, we’re one big family working together to support and uplift our clients.

Disclaimer

Your property may be repossessed if you do not keep up repayments on your mortgage. The Financial Guys fees are payable on application. We may charge a broker fee of up to £695 depending on the nature/amount of work involved.

Frequently Asked Questions

How do lenders assess my income as a company director?

Lenders assess your income by reviewing several documents, including:

  • The last two years of personal and business tax returns
  • Company accounts, including profit and loss statements and balance sheets
  • Dividend statements
  • Salary details
  • Recent personal and business bank statements
Can I get a mortgage if I have retained profits in my business?

Yes, lenders can consider retained profits in your business when assessing your financial stability. However, the specific policies vary by lender. Working with us we will find lenders who take retained profits into account.

Is it harder to get a mortgage as a company director compared to a salaried employee?

While it can be more complex due to the variable nature of your income, it is not necessarily harder. Proper documentation and working with a lender experienced in self-employed mortgages can streamline the process.

What credit score do I need to qualify for a company director mortgage?

Each lender will have different requirements.  By working with The Financial Guys we can asses your circumstances and help you find the most suitable product available.

How much can I borrow as a company director?

The amount you can borrow depends on your income, credit score, deposit amount, and overall financial health. A decision in principle will help you get an indication of how much you could potentially borrow.

What documents do I need to provide when applying for a company director mortgage?

You will need to provide:

  • Last two years of personal and business tax returns
  • Company accounts (profit and loss statements, balance sheets)
  • Dividend statements
  • Salary details
  • Recent bank statements (personal and business)
  • Proof of identity and address
  • Evidence of ongoing contracts or client letters (if applicable)

The Financial Guys is a trading name of Platinum Financial Limited which is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

The Financial Conduct Authority does not regulate some forms of Buy to Let. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Contact

  • 0333 012 4574
  • hello@thefinancialguys.co.uk

Opening Hours

Monday
8:00 - 16:00
Tuesday
8:00 - 16:00
Wednesday
8:00 - 16:00
Thursday
8:00 - 16:00
Friday
8:00 - 16:00
Saturday
Closed
Sunday
Closed

Evening and weekend appointments available.

Find Out What Lenders See When They Check You

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Copyright © Platinum Financial Ltd. Registered in England & Wales (11298789)
Registered Address: 30 Benton Road, High Heaton, Newcastle upon Tyne, NE7 7DU

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