Specialist mortgage and insurance advice for Business Owners.
Helping you to protect your profit, secure your income and buy the home you really want.
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Insurance and Mortgage Planning for Business Owners
Owning a business can be very rewarding, but it can also be very risky.
As a result, many mortgage lenders may offer you lower loans, higher rates or even decline you all together. This can leave you feeling penalised for being tax efficient or even risk you losing out on your dream home.
Fortunately, that’s where we come in, but first – how sustainable is your profit/income?
Do you have a business continuity plan in place? What would happen to your profit and income if you or a key person in your business were unable to work?
Many business owners have commercial insurance in place, but few cover against the biggest financial threat – the loss of people that are key to its success.
A bigger problem is that Business Owners aren’t getting the advice they need to make decisions about how to protect themselves.
Whether you are looking to buy a dream home, grow your business or achieve financial security, as a Business Owner, you need to do it on solid financial foundations.
That’s where we come in.
Our tailored insurance and mortgage plans are designed to help you –
– Protect your profit, income and financial security
– Borrow more, pay less and buy the home you really want
As a small business, we understand small business and our specialism allows us to remove the hassle from you and deliver the solution you need in a fraction of the time.
For a FREE consultation with no obligation, get in touch with us and we can arrange a call at a time to suit you.
Resources For Business Owners
Case Study – Sole Trader to Limited Company Mortgage
Case Study - Sole Trader to Limited Company Mortgage Second Opinion Saves the Day: From Delays to Dream Home Can you get a mortgage with just one year’s accounts? What if you've moved from being a sole trader to a limited company? If you’ve recently switched, you...
Business Protection for Small Companies
Business Protection for Small Companies Why Business Protection Isn’t Just for Big Companies When it comes to business protection, one of the most common misconceptions we hear is: “Business protection is only for large companies.” It’s easy to see why. Big firms have...
How much can I borrow as a Company Director?
How much can I borrow as a Company Director? Arranging a mortgage as a Company Director can be challenging, especially when it comes to affordability. Being a Business Owner doesn’t necessarily mean that you won’t get a mortgage. However, you may find that what you...
10 Myths About Business Protection Insurance
10 Myths About Business Protection Insurance Business protection is one of those things many clients know they should do something about… but often put off. Sometimes it’s because they don’t know where to start. Other times it’s because they’re relying on some...
Can Employer Pension Contributions Affect Mortgage Affordability?
Can Employer Pension Contributions Affect Mortgage Affordability? As a business owner, managing tax efficiency is a key part of financial planning. Whether it's using company profits instead of dividends to secure a mortgage or making employer pension contributions,...
Day Rate Contractor Mortgages
Introduction – Day Rate Contractor Mortgages Securing a mortgage as a day rate contractor can present unique challenges compared to traditional employees. While there’s no specific ‘contractor mortgage,’ some lenders have criteria that is better for contractors who...
Can I Get a Mortgage with One Year’s Accounts?
Can I get a mortgage with one year's accounts? Self-Employed people, (including those who own more than 20% shares in a Limited Company) often worry that they will find it more difficult to get a mortgage. This is especially the case when looking to get a mortgage...
Company Director Mortgage using Profit vs Dividends
Company Director Mortgage using Profit vs Dividends For prudent Company Directors, being as tax efficient as possible is usually a priority. It's common for Company Owners to take a small salary and dividend as income and leave excess profit in the business. However,...
Company Director Mortgage for a Dentist
Case Study - Company Director Mortgage for a Dentist Arranging a Limited Company Director mortgage for a Dentist can be a challenge. Company Owners who need a mortgage often approach us after being unsuccessful elsewhere. For example, Anil and his wife jointly owned a...