Mortgages Built on Your True Worth

Mortgage & Protection Advice for Company Directors, Property Investors & Developers

Getting a mortgage can be more complicated when your income doesn't look like a traditional payslip.

You might take a modest salary from your company. You might receive dividends. You might leave profits in the business to fund future growth. You may already own several properties, be building a portfolio, or need short-term finance to secure your next opportunity.

Our Services

Buy to Let.

Bridging.

Commercial.

Protection.

Your Income Isn't Always as Simple as a Payslip

If you're a company director, property investor or developer, your finances can look very different from those of a standard employee.

And that can make obtaining finance more complicated.

Why Can It Be Difficult to Get a Mortgage as a CompanyDirector?

For employed applicants, mortgage affordability can often be relatively straightforward.

For company directors and business owners, it can be more nuanced.

Different lenders can have different approaches to how they assess salary, dividends and company profits.

Depending on the lender and your circumstances, retained profits and other forms of income may also be treated differently.

Because not every lender assesses income in the same way.

That means the mortgage you may qualify for isn't necessarily determined by your salary alone.

The right lender and the right approach can make a significant difference.

That's where specialist mortgage advice can help.

We Help You Find the Right Route

Whether you're buying your first home, remortgaging your existing property, expanding a property portfolio or funding your next development, we'll take the time to understand what you're trying to achieve.

We'll look at your circumstances, your income, your existing commitments and your objectives before identifying potential mortgage or finance solutions.

Company Directors

Your salary doesn't tell the whole story.

If you take a combination of salary, dividends and company profits, we can help you understand how different lenders may assess your income and what options may be available.

Portfolio Landlords

Growing a property portfolio requires more than simply finding another Buy-to-Let mortgage.

We'll help you consider the finance available for acquisitions, remortgages and portfolio growth, including cases involving multiple properties and more complex circumstances.

Property Developers

Property development finance needs to work alongside your project.

Whether you're purchasing a site, refurbishing a property, converting a building or funding a development, we'll help you explore the appropriate finance options for the project.

How Woodstock Financial Works

A straightforward process, from conversation to completion.

01

Tell Us What You Need

Start with a free, no-obligation conversation.

We'll ask about your circumstances, your finances and what you're looking to achieve.

02

We Assess Your Options

We'll consider your income, circumstances, borrowing requirements and objectives to identify potential mortgage or finance routes.

03

We Find a Suitable Solution

Once we've established the appropriate route, we'll explain the options available and recommend a suitable solution based on your circumstances.

04

We Handle the Application

We'll help you through the application process, liaise with the relevant parties and keep things moving towards completion.nsequat elit.

05

You Move Forward

Whether that means buying your home, refinancing a property, growing your portfolio or completing your next project, we're here to help you make the next move.

Frequently Asked Questions

Can I get a mortgage as a company director? 

Yes, company directors can obtain residential mortgages, but lenders can assess director income differently from employed income. Depending on the lender and your circumstances, assessment may consider salary, dividends and company profits. We can help you understand the potential options available.

Can I get a mortgage if I take a small salary from my limited company?

Potentially. Some company directors deliberately keep their PAYE salary relatively low and take additional income through dividends or leave profits within their company. Different lenders have different approaches to assessing this income, so your salary alone does not necessarily determine your borrowing options.

Can retained profits be used for mortgage affordability?

Potentially, depending on the lender's criteria and your individual circumstances. Lenders differ in how they treat retained profits, so specialist advice can help identify which lending criteria may be relevant to your situation.

Can I get a large mortgage as a company director?

Potentially. The amount you can borrow depends on factors including your income, business finances, credit history, existing commitments, deposit and the lender's affordability criteria. We can help you explore potential options for larger residential mortgages.

Can I get a Buy-to-Let mortgage through a limited company?

Yes, limited company Buy-to-Let mortgages are available. However, the suitability of owning property through a limited company depends on your individual circumstances and may have tax and legal implications. We can advise on the mortgage and finance aspects and you should obtain appropriate tax and legal advice where required.

What is a bridging loan?

A bridging loan is a short-term form of property finance designed to provide funding where a conventional mortgage may not be suitable or may not be available quickly enough. Bridging finance can be used in a range of circumstances, including property purchases, auction purchases, refurbishments, refinancing and development projects.

Can I get a mortgage if I already own several properties?

Potentially. Portfolio landlords can access Buy-to-Let and other forms of property finance, although lenders may apply additional criteria when assessing portfolios. We'll look at your wider circumstances and borrowing requirements.

Can you help property developers?

Yes. We can help developers explore appropriate property finance, including development finance and bridging finance, depending on the project, experience, property and overall circumstances.

Do you offer first-time buyer mortgages?

Yes. Although our specialist focus is company directors, property investors and developers, we also provide residential mortgage advice for first-time buyers and other homebuyers.

Do you offer mortgage protection?

Yes. We can help you explore Life Insurance, Critical Illness Cover, Income Protection, Personal Protection and Business Protection.

How much does a mortgage broker cost?

Our fees depend on the type and complexity of the mortgage or finance required. We'll explain any fees that apply before you proceed.

Are you a mortgage lender?

No. Woodstock Financial is a mortgage broker and credit intermediary. We help clients explore mortgage and finance options available from relevant lenders and providers.

Why Woodstock Financial?

Finance advice with a bigger picture.

Woodstock Financial was created to provide a different kind of mortgage experience.

We believe finance should begin with a conversation, not a calculator.

Your circumstances are individual. Your business is individual. Your property portfolio is individual. And the finance you need should be considered in that context.

We understand business owners

Running a company can make your finances more complicated. We understand that your personal income doesn't always tell the whole story.

We understand property

From residential mortgages and Buy-to-Let to bridging and commercial finance, property is at the heart of what we do.

We look beyond the headline number

The cheapest rate isn't necessarily the right solution. We consider the wider circumstances, lending criteria and objectives behind the application.

We explain things clearly

Mortgages can be complicated enough without unnecessary jargon. We'll explain your options in plain English so you can make informed decisions.

We stay with you

Our role doesn't end when an application is submitted. We'll help you navigate the process and keep you informed along the way.

Ready to Find Out What's Possible?

Let's talk about your plans.

Whether you're buying your first home, moving house, remortgaging, building a property portfolio or looking for finance for your next development, the first step is simply a conversation.

Tell us what you're trying to achieve.

We'll help you understand the options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

is an appointed representative of which is authorised and regulated by the Financial Conduct Authority under number in respect of mortgages, insurance and consumer credit mediation activities only.

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We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (https://www.financial-ombudsman.org.uk/consumer/complaints.htm).

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