Residential Mortgages Tailored for Business Owners
We understand that being self-employed or a business owner can make traditional mortgage applications difficult. We work with lenders who understand complex income structures and dividends. Get the home you deserve with a mortgage process designed specifically for entrepreneurs.
£2M
Up to loan size
5-14d
AIP timeline
90%
Up to LTV
At a glance
Residential mortgages for business owners: the short answer
Self-employed people, company directors and contractors are often declined by high-street lenders because their income is paid through dividends, retained profits or day rates. Creditify introduces them to lenders that assess this kind of income, for home purchases and remortgages up to £2,000,000 over 5 to 40 years, typically up to 90% loan-to-value. An agreement in principle usually takes 5 to 14 days.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Last reviewed . Figures are indicative and depend on eligibility, lender checks and final terms.
- Loan size
- Up to £2,000,000
- Term
- 5 to 40 years
- Loan-to-value
- Typically up to 90%
- Agreement in principle
- Typically 5 to 14 days
- Income accepted
- Salary, dividends, retained profit, day rate
- Best for
- Self-employed, directors and contractors
A mortgage process built for entrepreneurs
Designed for directors, contractors and business owners whose income tells a richer story than a single payslip.
Self-Employed Friendly
Lenders who really understand SME income and base decisions on your full picture.
Dividend & Retained Profit
Real underwriting that recognises directors’ dividends and retained company profit.
Complex Income Structures
Multiple companies, fluctuating earnings, contracting income—handled with care.
End-to-End Support
From Agreement in Principle to completion, with a single point of contact.
How it works
01
Share your income picture
A short brief on your structure, income sources and the property you have in mind.
02
We match self-employed-friendly lenders
Compare specialists who routinely lend against complex income.
03
Get an Agreement in Principle
Move forward with confidence, fully supported through to completion.
"High-street lenders kept misreading our dividends and freelance income. Creditify connected us with a lender who actually understood self-employed accounts and we exchanged on the home we'd been chasing for over a year."
Sarah & Hamza Khan
Self-employed homeowners, Edinburgh
£340K
Mortgage
90%
LTV
5y
Fixed rate
Ready when you are
Ready to compare funding? Let's talk.
Get a free, no-obligation quote and see which UK funding routes may fit your business.