Why Business Owners Need a Specialist
Most lenders — and many brokers — misinterpret complex income.
This often leads to:
• Lower borrowing than you should qualify for
• The wrong income method being used (salary/dividends only)
• Avoidable declines and delays
I assess income using the most favourable lender-approved method, including:
• Salary + dividends
• Net profit after corporation tax
• Retained profit
• Day-rate contractor calculations
• Director remuneration
The result is a mortgage based on your real earning power, not an oversimplified number.
