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Business owners consistently choose us for our specialist understanding of company accounts, enabling tailored financial solutions that truly reflect your business’s position. We offer enhanced affordability calculations that take your full financial profile into account, helping you access the funding you need. Whether you’ve only been trading for a year or are looking to use a director’s loan as a deposit, we provide flexible, informed options designed to support your goals.
We off a free initial assessment:
We then undertake expert research:
We always provide application support:
Our advisers are always available for a chat, get in touch to get started with your mortgage and protection needs.
To get started securing you mortgage as a company director or business owner, you’ll need a few things throughout the application process; see below to help you prepare:
Ready to take the next step? Download one of our useful guides to explore how we can help your specific situation. Or use our repayment or affordability calculators to help budget.
Yes, many lenders will allow you to use your company’s retained profits as part of your mortgage affordability assessment. This is particularly useful if you choose to leave money in the business rather than pay yourself a high salary or large dividends. We work with specialist lenders who take a more holistic view of your company’s financial position, not just your personal income.
While most high street lenders prefer at least two years of trading history, there are specialist lenders who will consider applications from directors with just one year’s accounts—particularly if you have a strong financial profile or previous industry experience. We can guide you through the requirements and help present your case in the best possible light.
Dividends are typically taken into account alongside your salary to assess affordability. Some lenders will look at the average of the past two years’ income, while others may accept the most recent year if it shows a strong performance. Where appropriate, we can also help you find lenders who consider both salary and net profit, which can significantly increase your borrowing potential.
"I have had a number of dealings with Michael regarding financial matters, in particular with regard to mortgages. On each occasion, he has been thoroughly professional, reliable and informative. His assistance has helped save our family a substantial amount of money. I would not hesitate to recommend his services to anyone."
Find out why we’re different and experience a new level of tailored mortgage and protection advice. Book a free consultation today.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
2nd City Finance Limited is an Appointed Representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.
2nd City Finance Limited is registered in England and Wales. Company Number 13055699. Registered Address Advantage House, Stowe Court, Stowe Street, Lichfield, WS13 6AQ
The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore targeted as consumers based in the UK.
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