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Arranging mortgages for directors running businesses can be far more difficult to secure than mortgages for salaried individuals because actual income and ability to make repayments can be less obvious to lenders.
John Charcol is an expert in helping clients to secure director’s mortgages. We typically approach lenders who we know are willing to look beyond the tax assessment and take a broader view, using retained profit, accountant’s projections and contracts to determine your affordability.
Most directors face this problem. At John Charcol, we know how to make the best case for your personal finance and which lenders are happy to look beyond the headline figures to understand what you can really afford.
Yes. We deal with regional building societies, private banks and other niche lenders who will look at each client on an individual basis. The range of income multiples could be as high as five times
At John Charcol we’re used to working with busy individuals who are under real time pressure. That’s why we can come to you and fit in with your schedule.
We’re expert at arranging this kind of mortgage, making the best of low rates of borrowing with capital payments when bonuses are available.
We’re fast and nimble, so if you need us to talk to an Estate Agent or make things happen fast to secure a particular property, we’ll do everything we can to make that happen.
Yes. At John Charcol our consultants are all experienced mortgage advisers. We often arrange directors’ mortgages through reputable private banks and investment houses who have much more flexibility on who they lend to and how much they will lend.
As an experienced mortgage broker, John Charcol can find mortgages for company directors.