Mortgages for Directors

If you run your business as a limited company Director and you’d like to get a mortgage but don’t quite know where to start, we can help. Mortgages for Directors can be complex in some instances because of the way you must declare your income, and you typically need 12 months’ of trading history to be considered by mainstream lenders. Therefore, it’s occasionally more difficult for company Directors to gain a mortgage than their employees!

Your home may be repossessed if you do not keep up with your repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is upto 1% but a typical fee is £595.

We simplify & streamline the mortgage journey for Directors

Fortunately, many lenders offer mortgages to limited company Directors, from banks and building societies to various specialist lenders. Criteria varies from one lender to another, but some specialist lenders will ask to see your accounts covering one full tax year, whilst multiple banks and building societies may require at least three years’ worth of trading history.

It’s essential to seek specialist advice if you’re looking for a limited company Director mortgage, and that’s where Create Finance can help. Our brokers have many years of experience arranging mortgages for Directors, and we specialise in assisting people through the more difficult yet rewarding mortgage journeys.

Make a confident decision on your financial future

Create Finance is in regular contact with lenders who are willing to look beyond the tax assessment and take on an agile approach, using retained profits, accountants’ projections, and contracts to determine your affordability and eligibility. You don’t necessarily have to put down a larger deposit either. It depends entirely on your circumstances, but technically you will have access to the same offers as any other borrower. There are just a few more hurdles along the way than there would be for standard borrowers, and that’s why gaining specialist advice is very important from the outset.

Create Finance Limited is an appointed representative of Mortgage Advice Bureau (Derby) Limited which is authorised and regulated by the Financial Conduct Authority.

Create Finance Limited. Registered Office: 35 Friar Gate Studios, Ford Street, Derby, Derbyshire, England, DE1 1EE. Registered in England Number: 09582938.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £595.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

We may receive commission that will vary depending on the lender, product or permissible factors, The nature of any commission model will be confirmed to you before you proceed. Create Finance Ltd are a credit broker, not a lender.