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t : 02895 575010
e : info@njwfinancial.co.uk
Looking for expert advice on mortgages for company directors? Our specialists have got you covered. Get in touch for tailored solutions.
Limited company directors can face unique challenges when it comes to securing a mortgage. Unlike salaried employees, company directors' annual income can be variable and is often tied up in the business. As a result, it can sometimes be difficult to evidence personal income in mortgage applications.
But don't let that discourage you. With our specialist mortgage advice, you can increase your chances of securing the mortgage you need.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
When applying for a mortgage as a limited company director, most lenders will typically require you to provide the following:
It's important to note that mortgage lenders may have different requirements, so it's best to consult with an expert to ensure you have all the necessary documents.
Limited company directors have several options when it comes to securing a mortgage. These include:
Most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
At NJW Financial we can help you explore all of these mortgage options, and determine which is best for your individual situation.
At NJW Financial we pride ourselves on providing exceptional service to our clients. We understand that securing a mortgage can be a daunting process, especially for limited company directors. That's why we're here to help.
Our team of experienced, mortgage brokers and advisers has years of experience working with business owners just like you. We understand the unique challenges you face and can provide tailored advice to help you achieve your goals.
When you choose NJW Financial, you can expect:
Ready to get started?
If you're a limited company director looking to secure maximum loan amount for a mortgage or mortgages for company, don't go it alone. Let the experts at NJW Financial help you navigate the process and secure maximum loan to value for the mortgage you need.
Contact us today to schedule a consultation with one of our experienced mortgage advisers. We're here to help you get a mortgage, achieve your goals and achieve financial security.
Take control now and get in touch today to see how NJW Financial can help you.
Got a question? We’re here to help.
Lenders will typically assess your income based on the net profits made of your business, so if your business is not profitable, it may be more difficult to secure a mortgage. However, if you can demonstrate a stable income through your company's profit or other means, such as dividends or salary, you may still be eligible.
Yes, you can include the income of your spouse or partner on your mortgage application, provided they meet the lender's eligibility criteria.
No. Interest rates for mortgages for company directors are no different than rates offered to employed people.
Yes, using a mortgage broker who specialises in mortgages for company directors can be a helpful way to navigate the application process and find the best deal for your company directors borrow individual circumstances.
The time it takes to secure a mortgage as a company director can vary depending on the lender and your individual circumstances. It's important to allow plenty of time for the application process, and to be prepared to provide all necessary documentation.
Having a bad credit history can make it more difficult to secure a mortgage as a company director, but it's not impossible. You may need to provide additional documentation or a larger deposit, and interest rates may be higher.
If you're struggling to secure a mortgage as a company director, consider seeking professional advice from a mortgage broker. They can help you understand your options and improve your chances of mortgage approval.
No, but its always better to have as large a deposit as you can comfortably afford so you can borrow less from a mortgage lender.
Fill in our form now to receive expert advice on company director mortgages. Our team will be in touch shortly to discuss your needs and provide tailored solutions. Don't let mortgage stress hold you back - take action now and secure the mortgage you deserve.
Call 02895 575010 or 0141 291 5044 or send us a message using the form below and we’ll tend to your enquiry right away.
NJW Financial Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
We are committed to providing a professional service to all our customers.
If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place.
You can make a complaint by any reasonable means including telephone, letter, or email.
Our contact information:
• Write to: Nick Ward
• Telephone: 02895 575010
• Email: info@njwfinancial.co.uk
If you prefer, you can also refer your complaint to PRIMIS directly using the following contact details:
• Write to – PRIMIS Mortgage Network, Customer Resolution Team, Ground Floor, Birmingham Business Park, B37 7YT.
• Telephone: 0121 767 1139
• Email: complaints.solihull@primis.co.uk
You can also complain via their website:
• https://www.primis.co.uk/privacy-notices/complaints/
The same section of the website contains more information about PRIMIS’ role in complaints handling and about how Appointed Representative relationships work.
How we will handle your complaints
Simplified Complaints
We will use this process if:
• your complaint is about a simple matter - that we can look into and solve quickly and easily; and
• you direct it to us (rather than directly to PRIMIS Mortgage Network) in the first instance.
We will investigate your complaint and aim to resolve it within three business days following the date of receipt. If you are happy to accept our proposed resolution, we will send you written confirmation of our investigation.
If you cannot confirm acceptance by the end of the third working day (for example – because you are not happy with our proposed response or if you are not available to discuss it with us) then the case will be referred to PRIMIS Mortgage Network. It will then be handled in line with the Formal Complaint process outlined below.
If your complaint is more complex or is unlikely to be resolved quickly then we will usually refer it to PRIMIS straight away
Formal Complaints
The formal complaints process will be used where:
• we can’t resolve your complaint to your satisfaction within 3 working days: or
• your complaint is likely to involve more complex assessment or investigations; or
• you send your complaint directly to PRIMIS Mortgage Network rather than to us in the first instance; or
• you ask us to deal with your complaint in this way rather than via a simplified process.
Upon receipt PRIMIS will acknowledge your complaint promptly and will investigate it fairly and impartially. They will write to you within 8 weeks to confirm the outcome of their investigation.
In the unlikely event that their investigation is not complete within eight weeks of receipt of your complaint they will write to you to explain why and let you know when you can expect to hear from them. They will also provide details of how to contact the Financial Ombudsman Service if you are not satisfied with progress.
The Financial Ombudsman Service
If, following PRIMIS’ investigation you are still not happy with the outcome you have a statutory right to refer your complaint to the Financial Ombudsman Service.
It is a service free of charge to consumers and you may refer the matter to the Financial Ombudsman Service (FOS) within six months from the date that you received a final response to your complaint.
You can contact the service using the following details:
Telephone 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
You can also visit their website and refer complaints to them online by visiting.
https://www.financial-ombudsman.org.uk/
Let us know if you need any extra help or support.
We are committed to providing a complaints service that is accessible to all our customers.
If you will have any difficulties with any elements of the process that is outlined above, or if there are circumstances that might mean we need to change the way in which we handle your complaint then please let us know when you tell us about your complaint.
NJW Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority (FCA). NJW Financial Ltd is a company registered in Northern Ireland, company number NI688242, with its registered office at 17 Carnmoney Road, Newtownabbey, Northern Ireland, BT36 6HL
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Any other product or service offered by NJW Financial Ltd may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Wills are not regulated by the Financial Conduct Authority and may have limited consumer protection.
The guidance and/or advice contained within this website is subject to UK regulatory regime and therefore restricted to consumers based in the UK.