Your Accounts Tell a Story.
We Make Lenders Listen.
Low salary, high dividends? Retained profits sitting in the company? You pay yourself tax-efficiently because you're savvy. We find lenders who reward this strategy, not penalise it.
The £137k Income Gap
Same director. Same company. Same accounts. Dramatically different assessment. This is why lender choice matters.
High Street Assessment
Max borrowing: ~£56,500 (at 4.5×)
Specialist Lender Assessment
Max borrowing: ~£675,000 (at 4.5×)
Specialist Assessment of Complex Income for Directors
Different lenders use different methods. We match you to the one that maximises your borrowing power.
Salary + Dividends
£57,570The basic specialist approach. We add your salary to your dividend income. Simple, effective, and accepted by many lenders.
Net Profit Share
£150,000More sophisticated. Your share of company net profit (based on shareholding) is used regardless of what you've actually drawn.
Retained Profits Consideration
£150,000+The most favourable. Money sitting in the company counts. If you could draw it, some lenders will include it.
Director's Loan Account
VariableMoney you've lent to your company is an asset. Select lenders factor this into affordability calculations.
Myths We Dispel Daily
What high street lenders tell directors — and what specialist lenders actually do.
Reality: That's what you choose to draw as salary for tax efficiency. Your earning capacity is your company's net profit.
Reality: You've paid dividends consistently for 3 years. That's a track record of sustainable income.
Reality: Many lenders do. It's about finding the right one and presenting the case correctly.
What's Your Company Really Worth?
For borrowing purposes, at least. Our Logic Check analyses your salary, dividends, and company performance against real lender criteria.
Start Your Director Logic CheckBring your latest accounts or we'll work from estimates. No credit check required.