If you own 25% or more of a business, most lenders treat you as self-employed. Lenders look at tax calculations (SA302), limited company accounts, and sometimes an accountant’s certificate. Directors often benefit from a salary plus company profits assessment, rather than just salary and dividends. We know the lenders that accept retained profits.
- Net profit lending options for limited company directors (retained profits used)
- One-year accounts from specialist lenders
- Day-rate contractors: options for inside and outside IR35 (umbrella, payroll and Ltd Co)
- CIS vouchers: mortgages based on the last 3 months' vouchers