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LTD Company Director Mortgage Calculator

How much could you borrow for a mortgage?

Estimate your borrowing power based on your salary and dividends or retained profits. No credit checks here! Simply fill out the information below to get your estimate!

Expert Guides for Company Directors

When you’re a Limited Company Director, high-street affordability checks often miss the full picture. Our guides explain how you can use salary, dividends, and even retained profits to support your mortgage application.

9 mins

Mortgages for Company Directors

Learn how specialist lenders assess director income, including how some can use your latest net profit figures to increase your borrowing potential.
Read our Director guide

8 mins

Proof of Income Guide

Understand exactly what documentation, such as SA302s and certified accounts, you'll need to provide to verify your income as a business owner.
Learn about proof of income

6 mins

Dealing with Complex Incomes

Explore how lenders handle more intricate financial setups, from multiple income streams to utilising retained business profits for your mortgage.
View complex income options

Excellent

4.94 based on 154 reviews

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 8 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

Yes, while many high-street banks only look at salary and dividends, specialist lenders may be able to assess your affordability based on your share of the company’s total net profit (retained profit).

Most lenders prefer two to three years of accounts, but we have access to specialist lenders who can consider applications with only one year of trading history.

Not necessarily. Lenders who specialise in mortgages for directors understand that a low salary is often for tax efficiency and will focus on your total remuneration package instead.