FAQs – Mortgage for Entrepreneurs
If you run your own business, your income probably looks very different to that of a standard employee. You may take a mix of salary and dividends, retain profits in the company, or have several income streams from different ventures. This can make it harder to understand how mortgage lenders will assess your income and what you can realistically borrow.
This FAQ section is designed for entrepreneurs, company directors, self-employed professionals and small business owners who want clear, jargon-free answers. We look at how different lenders treat business income, what trading history you might need and how to present your accounts in the best possible light.
What our entrepreneur mortgage FAQs cover
- How lenders assess income for company directors, sole traders and LLP partners
- Whether retained profits and dividends can be used for affordability
- Typical requirements for trading history, accounts and tax calculations
- Getting a mortgage with fluctuating income or recent business growth
- Options if you have limited accounts, a recent start-up or past credit issues
- How a specialist broker can match entrepreneurs with flexible lenders
Every entrepreneur’s situation is unique – from how your business is structured to how you pay yourself and what your future plans look like. Use these FAQs as a starting point to understand how lenders think, then get in touch if you would like personalised mortgage advice as an entrepreneur or business owner.
