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Why do Limited Company Directors struggle to find a suitable mortgage?

Unfortunately most of the large banks and building society can be inflexible with their lending terms. Often for example, they will only base their calculations on salary and dividends with no regard for your share of the net profit in the business  They can also have very strict rules regarding affordability and will vary in how many years worth of accounts they require. Sadly many Limited Company Directors end up being declined a mortgage or offered a lot less borrowing then they would expect based on their true circumstances.

How The Mortgage Hut can help Limited Company Directors

  • Mortgage brokers, such as The Mortgage Hut, have access to thousands of mortgage products many which are may not be available on the High Street.

  • In addition to the large banks we also look at smaller building societies and expert loan providers who can assess on a case by case basis.

  • The Mortgage Hut can approach specialist loan providers who will assess your income based on your salary and dividends alongside net profit.

  • We will assess your financial circumstances and make sure your mortgage application truly reflects your position.


  • Your home may be repossessed if you do not keep up repayments on your mortgage.
  • There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% and a typical fee is 0.3% of the amount borrowed.
  • The guidance and advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.
  • Please note that The Mortgage Hut is not responsible for the accuracy of the information contained within any linked sites accessible from our website.

Contact The Mortgage Hut and find out how we could help you get a great mortgage deal. We can help Limited Company Directors who are first time buyers, looking to remortgage or move home. Additionally, if you’re thinking of investing in property or adding to an existing portfolio we can help with Buy to Let mortgages for Limited Company Directors.