Getting a mortgage as a company director

Why are mortgages for directors more complex?

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.


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Why trust John Charcol to arrange your directors mortgage?

As an experienced mortgage broker, John Charcol can find mortgages for company directors.

Mortgages for Directors: Frequently Asked Questions

How can I get a mortgage if my accountant is working to minimise profit in my business for tax purposes?

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.

If the high street lenders tell me I can’t get the multiple on my salary, are there other places I can go?

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

Can you help me to arrange a mortgage around my intense work schedule?

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. 

I want a flexible mortgage that allows me to use my bonus to reduce it each year in significant payments. Can that be arranged?

We’re expert at arranging this kind of mortgage, making the best of low rates of borrowing with capital payments when bonuses are available.

Is there a fast-track service so that I can secure the property I have my eye on now?

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.

Can I speak to someone with the authority to make decisions based on my real circumstances rather than computer-set limitations?

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.

Home Insurance

We’re partners with Legal and General, so we can find you buildings and contents insurance for your new property. 

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It's important to protect yourself against the unforeseen. Our in-house team can organise mortgage protection that's tailored to suit your unique needs.

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JC Legal

Not only do we organise your mortgage, we can refer you to a trusted solicitor for the conveyancing part of the process. We have access to a select panel of trusted conveyancers and solicitors, which means we can find you legal advice specific to your needs.

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We can help you prepare your property for tenants with our exclusive Concierge Service - available through our partners Just Move In. They’ll organise for your property to be cleaned and, if you’re furnishing your property, they’ll arrange all the removals. 

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