Do mortgage lenders use company turnover?

Turnover itself is generally not the same as mortgage income. Lenders usually focus on relevant profit and personal remuneration figures according to their criteria.

Can retained profit be used for a mortgage?

Some lenders may consider an appropriate share of company profit in certain circumstances. Others may use salary and dividends. It is lender-specific.

Does owning 100% of my company help?

Ownership can affect how a lender assesses the applicant, but it does not automatically increase borrowing. Profitability, income, liabilities and affordability still matter.

Can I get a mortgage if my latest year's profit has increased significantly?

Potentially, but lenders may want to understand whether the increase is sustainable and how it compares with previous years.

Should I increase my dividends just to obtain a mortgage?

Changes to remuneration can have tax and business consequences. Mortgage advice should not replace appropriate accounting or tax advice.

Limited Company Director Mortgage Income Explained

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