Can lenders use my company’s retained profits?

Several can, assessing your salary plus your share of net profit rather than only what you draw. It’s one of the most common ways we materially improve a director’s borrowing position.

How many years of accounts do I need?

Two years is the comfortable norm, but some lenders work from one year, particularly with a strong trajectory or a track record in the same field. We match the lender to the history you actually have.

My income varies year to year, which figures count?

Lenders differ: some average two years, some use the latest, some take a view on a dip with a good explanation. The variation between lenders is exactly why director cases reward whole-of-market advice.

Company Director Mortgages

You kept profits in the business for good reasons. The right lender respects that.

Book a consultation Call us back →

Tax-efficient on paper, penalised at the bank

Most directors pay themselves a modest salary and dividends, leaving profit in the company, sensible advice from any accountant. Then a mortgage application reads only the salary and dividends, and the bank’s answer shrinks to match.

Plenty of lenders will assess your share of net profit instead, and the difference to what you can borrow is often substantial. Knowing who they are, and presenting your accounts their way, is the difference.

How ERG helps

Retained profits counted:: We place director cases with lenders who assess salary plus your share of net profit, reflecting what the business actually earns you.
Accounts, translated:: Add-backs, one-off costs, growth trajectories. We present your figures with your accountant so underwriters read the real business.
Beyond the mortgage:: Directors’ borrowing often connects to bigger plans, premises, investment property, the next venture. We advise with the whole picture in view.

Detail, year-end accounts and a coffee on a boardroom table; working reality

Who we help

Director scenarios we handle weekly:

Directors paid in salary and dividends
Profits retained in the company for tax efficiency
Newer companies with one or two years’ accounts
Multiple directorships and group structures
Directors buying premises or investment property too

Complex Income Mortgages → Self-Employed Mortgages → Limited Company Buy-to-Let →

Frequently Asked Questions

Several can, assessing your salary plus your share of net profit rather than only what you draw. It’s one of the most common ways we materially improve a director’s borrowing position.
Two years is the comfortable norm, but some lenders work from one year, particularly with a strong trajectory or a track record in the same field. We match the lender to the history you actually have.
Lenders differ: some average two years, some use the latest, some take a view on a dip with a good explanation. The variation between lenders is exactly why director cases reward whole-of-market advice.

Speak to an advisor

Book a consultation

Check out our availability and book the date and time that works for you.

Select a Date and Time

Time zone: United Kingdom (Europe/London)

MonTueWedThuFriSatSun

Your consultation

A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.

Select a date to see availability