A proper conversation
We talk through what you’re buying, how your company pays you and what you need.
30–45 minutes, by phone or videoMortgage & protection advice · Leeds, Manchester, London
Mortgages for income that doesn’t fit a payslip.
We specialise in limited company directors and the self-employed. We read your accounts the way an underwriter will, then match you to the lenders whose criteria suit how you actually pay yourself.
How lenders see your income
Pick the way you earn.
Each type of income comes with its own evidence and its own lender rules. Here’s what usually matters.
Salary and dividends, or your share of the company’s profit.
Many lenders only use the salary and dividends you’ve drawn. We work with lenders that can also count your share of the profit you’ve left in the business, even if you own more than one company, and some that use the company’s profit before corporation tax rather than after it. That can change how much they may lend, so choosing the right lender matters.
What you’ll usually need
- Two years’ accounts for each company you own shares in, ideally signed by your accountant
- SA302s and tax year overviews
- Recent business and personal bank statements
- Your shareholding and how long you’ve held it
Your net profit, usually averaged over two years.
Lenders generally look at your taxable profit from self-assessment. Some will use the latest year if profit is rising, and some will consider one year’s trading. Partners are assessed on their share of the partnership’s profit.
What you’ll usually need
- SA302s and tax year overviews for the last two years
- Accounts or an accountant’s reference
- Recent business and personal bank statements
- Partnership agreement if you’re a partner
Your day rate, annualised.
Some lenders assess contractors on their contract day rate multiplied out over a working year, rather than on accounts. It suits people whose company structure understates what they earn. Gaps between contracts and length of contracting history are checked.
What you’ll usually need
- Your current contract and any renewals
- CV or contracting history
- Recent bank statements showing contract income
- Accounts or SA302s if a lender asks for them
Rent comes first, then your own income.
Buy-to-let lenders mostly assess whether the rent covers the mortgage by a set margin at a stressed rate. The margin varies by lender, tax position and whether you buy personally or through a limited company. Portfolio landlords will usually be asked for a full property schedule.
What you’ll usually need
- Expected or current rent for the property
- Property portfolio schedule
- Your own income evidence where the lender requires it
- Company documents for limited company purchases
How it works
From first call to keys.
Drag through the steps, or use the arrows.
Your documents, once
Accounts, SA302s and bank statements, uploaded once through our secure portal.
A checklist built for your incomeResearch the market
We compare how lenders would assess your income, then shortlist those that fit.
Options in writing, in plain EnglishDecision in principle
We obtain an agreement in principle so you can make offers with confidence.
Subject to underwriting and valuationFull application
We package your case for the underwriter, explaining anything unusual up front.
We handle lender queries for youOffer to completion
We keep you, your solicitor and the lender moving, and review your protection.
We stay in touch for your next dealOur services
Everything else we arrange.
First-time buyers
Deposits, gifted deposits and schemes, explained step by step.
Home movers
Porting, additional borrowing and timing the sale and purchase.
Remortgages
Reviewed well before your deal ends so you’re not rushed.
Buy-to-let
Personal and limited company, including portfolio landlords.
Development finance
Ground-up and refurbishment schemes, structured around the build.
Auction purchases
Finance lined up to meet tight completion deadlines.
Commercial
Owner-occupied and investment property, case by case.
Expat mortgages
For UK expats and foreign nationals abroad buying in the UK.
About
Advice from people who’ve done this a long time.
1999Advising since
3Offices
1 hourTarget reply time
Haus Advisory is a mortgage and protection brokerage based in Leeds, with offices in Manchester and London.
Peter and Jack have over 30 years’ combined experience advising. Most of our work comes from clients and accountants who recommend us, often for cases other advisers found difficult.
We’ll tell you plainly what’s likely, what isn’t, and what would help. If a different route suits you better, we’ll say so.
The team
Peter Clarkson
DirectorCeMAP
Jack Brewer
Senior AdvisorCeMAP
Emma Brewer
Case Manager
Our offices
Leeds
Avenue HQ
10-12 East Parade
Leeds LS1 2BHManchester & Cheshire
Fir Road
Bramhall
SK7 2NPLondon
Uncommon
34-37 Liverpool Street
London EC2M 7PP
Insights
From the Complex Income Desk.
Reviews
What our clients say.
Questions
Common questions, answered plainly.
Every case is different, so treat these as a starting point. We’ll go through your situation on the first call.
Can I get a mortgage as a limited company director?
Yes, many lenders lend to company directors. Most look at the salary and dividends you’ve drawn. Some can also use your share of the company’s profit, including profit left in the business. Which lender you use can change how much may be available. All lending is subject to underwriting and valuation.
Can a lender use the profit I’ve left in my company?
Some can. Rather than only looking at what you’ve drawn, they look at your share of the company’s net profit. Your shareholding and how long you’ve held it usually matter.
How many years’ accounts do I need?
Most lenders ask for two years. Some will consider one year’s trading. Some may use your latest year on its own where profit has gone up.
I’m a contractor. Will lenders use my day rate?
Some will. They multiply your day rate across a working year rather than relying on your accounts. They’ll also look at how long you’ve been contracting and any gaps between contracts.
Can I buy a buy-to-let through a limited company?
Yes, many lenders offer limited company buy-to-let. They mainly check that the rent covers the mortgage by a set margin at a higher test rate. The margin varies by lender. It’s worth speaking to your accountant about the tax side.
What documents will I need?
It depends on how you’re paid. For a director it’s usually two years’ accounts, SA302s and tax year overviews, and recent bank statements. We’ll give you a checklist built around your income after the first call.
Where are you based?
We’re based in Leeds, with offices in Manchester and London. We advise clients across the UK by phone and video.
Get in touch
Tell us a little about your situation.
We’ll come back to you, usually within the hour during office hours, to arrange a call.
info@hausadvisory.com
LeedsManchesterLondon