Limited Company & Director Mortgage Solutions Built Around Your Business
Directors buying a personal home using business profits
Limited company owners purchasing Buy‑to‑Let or investment properties
SPV landlords seeking tax‑efficient borrowing
Directors with complex income (dividends, retained profits, director loans)
Business owners refinancing existing investment properties
Contractors and freelancers operating through LTD companies
Directors with non‑standard income or historic credit issues
Applicants declined by high‑street lenders due to corporate complexity.
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As a whole‑of‑market broker, we compare high‑street lenders, specialist underwriters, SPV‑friendly lenders, and director‑income‑friendly criteria to find the right fit for your circumstances.
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We track your application through to completion and proactively monitor your mortgage over time, stepping in to secure better rates or restructure borrowing when your fixed terms approach expiry.
Many investors now use Special Purpose Vehicles (SPVs) to maximise tax efficiency and streamline borrowing. We specialise in structuring SPV applications, aligning SIC codes, managing multi‑director arrangements, and presenting your company in a lender‑friendly way.
We help with:
Directors rarely fit the neat income boxes high‑street lenders expect. We work with lenders who assess your full financial picture - including retained profits, dividends, and director loans - rather than just your basic salary.
We help with:
Whether you’re expanding your portfolio or purchasing your first investment property through a limited company, we secure funding that aligns with your business goals and long‑term strategy.
We help with:
Directors often pursue refurbishment or development projects to grow their property businesses. We secure fast, flexible funding for projects that need capital quickly.
We help with:
Directors with historic credit issues or complex company accounts often struggle with automated high‑street systems. We work with specialist lenders who manually assess your full financial strength.
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Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Yes -many specialist lenders assess retained profits, dividends, and director loans rather than just basic salary.
Typically: company accounts, SA302s, tax calculations, business bank statements, and details of all
directors.
Deposits typically range from 25%–40%, depending on property type and lender criteria.
Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).
Contact us
18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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