Mortgages for Company Directors
Use your company profits to reduce your current mortgage payments or get a larger loan so you can buy your dream home without paying more tax.

Expert Whole of Market Advice
Use Your Net Profits to Borrow More
Fast Decisions!
Navigating the mortgage landscape as a company director can be frustrating. Securing a mortgage feels like an uphill battle when your financial situation doesn't fit the conventional mould.
Your income, often a blend of salary and dividends, can vary, making it challenging to establish consistency. Some lenders may not consider retained profits in your business as part of your personal income, meaning you might not get the loan amount you need to buy the home you want.
Verifying your income is tricky; lenders demand years' worth of financial accounts. Having a controlling interest in the business makes your accounts and tax returns subject to increased scrutiny, adding unnecessary paperwork and doubt.
Establishing your borrowing capacity gets complicated. Lenders may apply stricter affordability criteria to directors due to perceived income instability. Calculating your income, derived from salary, dividends, and retained profits, becomes complex. Fluctuating business profits make it challenging to establish a reliable earnings figure, impacting how much you can borrow.
The burden doesn't end there—company directors face additional paperwork, time constraints, and increased scrutiny, potentially causing delays in securing a mortgage.
Fortunately, there's a solution… At Baxter Financial Services Ltd, we collaborate with lenders who appreciate company directors without reducing loan amounts. Thanks to our relationships with these lenders, you can secure a mortgage based on your company's profit, allowing you to borrow more and get the mortgage you need.
To discover what you qualify for, fill in our contact form below or call us at 023 9338 2033. We don't do call centres, you'll connect directly with an adviser.
Get a Mortgage Quote
Fill in your details below and one of our company director mortgage experts will contact you to discuss your options and advise you on the most appropriate deal.




















































































Why Choose Us?
Because we specialise in mortgages for company directors, we can offer you a number of benefits that you won’t find elsewhere…
1
Unique Income Assessment
We specialise in securing mortgages based on your company's net profits rather than relying solely on your salary and dividends. Say goodbye to the hassle of drawing out extra dividends and paying more tax just to get the mortgage you deserve.
2
Full-Service Support
We take care of everything for you, and we’ll liaise with your accountant to save you the hassle. From sourcing the right mortgage deal to preparing your application and handling all the paperwork, we've got it covered. You get personalised service from someone who understands your situation.
3
Time Saved & Stress Reduced
We give you back precious time, allowing you to focus on running your business instead of worrying about excessive time spent on sorting the new mortgage. Peace of mind comes with knowing an expert is looking after everything for you.
4
Proven Excellence
With a 5-star rating on Trustpilot and Google reviews, we're committed to delivering the best service, which means that you can relax knowing your mortgage application is in safe hands.
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What The Process Looks Like...
STEP 1
Contact Us
Fill out the contact form and we will call you back, alternatively call us on 02393 382033
STEP 2
We'll search for your best deal
We'll schedule a call/online meeting to confirm a few details, then research your options and advise on the best deal for you
STEP 3
We'll take care of the process
We'll take ownership of the entire application process, guiding you all the way through to a mortgage offer
STEP 4
...until your application is accepted!
It doesn't end once the mortgage offer is issued - we'll liaise with any estate agents and solicitors until you've completed
Expert Whole of Market Advice
We're not restricted with the lenders we can access, and we deal specifically with lenders who understand Company Directors like you
Use Your Net Profits to Borrow More
We have relationships with lenders who will use your company's net profits, allowing you to borrow more - no need to draw extra dividends and pay more tax unnecessarily!
Fast Decisions
Knowing which lender is best to approach for your mortgage application means you can expect fast decisions, without the worry of multiple applications which can damage the chances of getting your dream property
Get a Mortgage Quote
Fill in your details below and one of our company director mortgage experts will contact you to discuss your options and advise you on the most appropriate deal.




















































































Typically, we charge a fee of £495 for arranging your mortgage, or £695 for a lifetime mortgage. The precise amount will depend on your circumstances and the complexity of the mortgage being arranged. This will be confirmed following our initial discussion and will not exceed £995. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let mortgages are regulated by the Financial Conduct Authority. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.
Baxter Financial Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered office: Baxter Financial Services Ltd, 5 Collins Road, Catherington, Waterlooville, Hampshire, PO8 0WT. Registered Company Number: 11620783. Registered in England & Wales, FCA number 831464.