Get a same-day decision on a 95% mortgage based on your company’s profits and not just your own income
Get A Free QuoteGet a same-day decision on a 95% mortgage based on your company’s profits and not just your own income
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Being a business owner can be tough. Finding new clients, managing staff, paying the bills, and keeping on top of the admin all takes a lot of time and can become pretty stressful.
And things don’t get any easier when it comes to getting a mortgage as a company director or business owner. In fact, you’ll probably find it much harder to get a mortgage than your employees will – even though you earn more than they do.
That’s because banks are more cautious when it comes to granting mortgages to business owners. They know that your income is liable to fluctuate more than it would if you were somebody else’s full-time employee. And, if you’ve done the sensible thing and structured your finances in a tax-efficient way, it can be harder to prove that you earn enough to be able to afford the mortgage you want.
This is why it makes sense to get some free mortgage advice from an expert mortgage adviser who understands how to properly assess your income (not all of them do) and present your case to a lender in the correct way.
As independent mortgage brokers we have access to 12,000 different mortgage products from 102 different lenders, including specialist ones that you won’t find on the High Street and who have exclusive deals for business owners like you.
And if you’re new in business, we’ve got you covered because some of the lenders we’re partnered with will provide mortgages based on just one year’s worth of accounts.
To request a free consultation with one of our advisers, fill in our one-minute enquiry form or call us on 020 8517 1141.
Enter your details below and one of our advisers will contact you for a no-obligation chat so we can find you the perfect policy.
Here at Home of Mortgages, we specialise in arranging mortgages for business owners and company directors. We work with accountants on a daily basis, reading and interpreting accounts so understand the way you receive your income. This gives you a number of benefits that you won’t get if you just walk into your local bank or try to find your own mortgage online.
When it comes to deciding how much you can borrow, a lot of mortgage lenders will just look at your own income. But we know that not all company directors pay themselves huge salaries or dividends because it often makes sense to leave money in the business until you actually need it.
That’s why we work with lenders who are far more flexible in terms of how they assess your income. This means we can do things like get you a mortgage that’s based on your own salary plus the net profits of the business.
Having this kind of flexibility means we may be able to get you a larger mortgage than you’d be offered elsewhere.
If you’re like most company directors we deal with, you didn’t go into business on your own in order to sit around waiting for other people to make decisions. You’re used to being able to crack on with things and get stuff done. Which is why we guarantee that, once your paperwork has been assessed, we will get you a decision in principle from a lender the same day. And because we don’t want to mess anyone around, we’ll make sure we only get that decision from a lender where it’s actually going to result in a mortgage offer being made.
Did you know that not all mortgage brokers have access to every mortgage lender? But here at Home of Mortgages, we do. That means that when it comes to finding you the best mortgage deal we can choose from over 12,000 options from 102 different mortgage lenders. So if we can’t find you a mortgage, no-one can!
As specialists in mortgages for company directors, we always know which lenders are most likely to offer you a mortgage – even now when lenders are changing their criteria on an almost daily basis. So we won’t waste time or risk damaging your credit rating by applying to lenders who are unlikely to approve you.
And we know exactly which documents each lender will want to see from HMRC, Companies House, you, your bank, and your company. So you won’t have to waste time figuring all that out yourself.
Enter your details below and one of our advisers will contact you for a no-obligation chat so we can find you the perfect policy.
or call on 01344 377889
