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01635 524391

Mortgages for Company Directors Who Need to Borrow More

Use your company’s profits to maximise the amount you can borrow and get the best rate, without increasing your personal tax bill, so you can buy the home you really want.

Expert Mortgage Advice

Exclusive Deals from 76 Lenders

Same Day Decisions

Being a company director can be really challenging, especially when it comes to getting a mortgage.

You might assume that mortgage lenders will treat you the same way as anyone else, but that’s not the case – and this can mean that you are restricted in terms of how much you can borrow.

And if you can’t borrow the amount you need, you might miss out on getting the home you really want.

The reason this happens is because Limited company directors are often advised by their accountants to only take the level of salary and dividends they actually need to live on. After all, why take out more and increase your tax bill?

To find out which deals are available to you, all you need to do is click the button below to book a free no-obligation meeting with us.

But when it comes to mortgages, this can backfire. As you may already have discovered, a lot of banks will limit what they’ll lend you or reject you outright because, on paper, your drawn salary and dividends make it look as if you can’t afford the mortgage you’re applying for.

So what’s the solution? Well, you could take an extra one-off dividend to boost your income. But that is going to mean you get hit with a hefty tax bill. And, even if you do this, some lenders still won’t like to take that extra income fully into account.

This is why you should talk to us.

At Firstxtra, we’re not just any mortgage broker. We’re the specialist you’ve been looking for. We understand the intricacies of a director’s finances. We have partnerships with lenders who consider not just your salary, but also your company’s net profits so the money that you’ve sensibly left in the business can now be used to support your mortgage application.

Our expertise lies in interpreting financial accounts, ensuring your financial health is presented in the most favourable light. Whether you’ve been trading for just one year, recently transitioned from sole trader to limited company, or simply have complex company accounts, we have a solution tailored for you.

And, even better, we can handle everything for you – including liaising with your accountant to get all the financial information and paperwork that the lender will want to see. Which means you have more valuable time to keep running your business.

Our huge choice of lenders and expertise not only means we can get you accepted more easily, it also means we can find you the best possible rate for your circumstances and keep your monthly repayments affordable.

To find out which deals are available to you, all you need to do is click the button opposite to book a no-obligation meeting with us.

Your home may be repossessed if you do not keep up repayments on your mortgage

FIND YOUR IDEAL MORTGAGE

Fill in your details below and one of our mortgage experts will contact you to guide you through the process and secure the correct mortgage for your needs.

Why Choose us?

Maximise Your Borrowing

Because we deal with company directors all day every day (and we’re business owners too, of course) we know how to interpret your accounts and how to present your finances to a lender in a way which will maximise the chances of them giving you the size mortgage you need.

This means you don’t have to settle for second best and buy the home you’ve really set your heart on.

Expert Advice

We are so confident in what we do that If we are unable to place a mortgage for you or you do not wish to proceed with our advice then there will be nothing for you to pay.

This means if we can’t find you a mortgage that you’re happy with and that the lender has agreed in principle, you won’t have to pay us a thing.

Platinum Service

The independent review site Feefo has awarded us their coveted Platinum status for the past three years, based on the consistently high level of feedback we receive from our clients.

This means you can be confident that when you entrust us with your mortgage application you can be sure that we’ll look after you and hold your hand from start to finish, however complex your mortgage requirements might be.

Hassle Free Service

We understand how hectic and time-consuming running a business can be. And that’s why we offer flexible appointment times, meaning you can meet with us via the phone or video call at a time to suit you.

It’s also why we make sure that you deal with the same adviser throughout the entire process – so you don’t have to waste time re-explaining things every time you call us. And we’ll always answer the phone within five rings rather than leaving you sitting in a queue.

We’ll even liaise with your accountant to get whatever financial information we need, so you don’t need to spend time hunting for paperwork.

OUR MORTGAGE ADVICE FEE GUARANTEE

If we fail to secure you a mortgage offer, then you don’t pay us our arrangement fee.

feefo reviews

How it works

ONE

Contact Us

Fill out the form and one of our brokers will call you back.

TWO

We'll search for the right deal

Once we've taken a few details, we start our search to find a bespoke mortgage that's just right for you

THREE

We'll guide you through the process

We'll help you choose the right product and then handle the application for you.

FOUR

... until your application is accepted

Our fantastic case managers will see your application through and help you each step of the way.

Exclusive deals accross the UK mortgage market

We have access to the following lenders and many more…

Mortgages for Company Directors Who Need to Borrow More

Expert Mortgage Advice

Exclusive Deals from 76 Lenders

Same Day Decisions

FIND YOUR IDEAL MORTGAGE

Fill in your details below and one of our mortgage experts will contact you to guide you through the process and secure the correct mortgage for your needs.

Feefo logo

Your home may be repossessed if you do not keep up repayments on your mortgage

A fee of £199 is payable on application of the mortgage and £250 on issue of the mortgage offer. There may be a further fee payable on mortgage offer of up to £250. The overall amount of the fee is dependent on the amount of research and administration that is required.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Firstxtra Financial Services Ltd,
The Pavilion, Newbury Business Park,
Newbury RG14 2PZ

01635 524391
info@firstxtra.co.uk

Registered Address: 2 Old Bath Road,
Newbury, RG14 1QL
Company Registration: 8678559
Registered in England and Wales

Firstxtra Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

*Wills & commercial mortgages are not regulated by the Financial Conduct Authority. Loans, wills & commercial mortgages are referred to third party providers – Firstxtra Financial Services Ltd and First Complete Ltd are not responsible for any advice received from the third party providers.

© Firstxtra 2021  | Cookies | Terms | Privacy Policy | Complaints Procedure

FIND YOUR IDEAL MORTGAGE

Fill in your details below and one of our mortgage experts will contact you to guide you through the process and secure the correct mortgage for your needs.

FIND YOUR IDEAL MORTGAGE

Fill in your details below and one of our mortgage experts will contact you to guide you through the process and secure the correct mortgage for your needs.

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