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
Bank of England Base Rate Cut – What It Means for Your Mortgage
Bank of England Base Rate Cut – What It Means for Your Mortgage The Headlines vs. The Reality The Bank of England recently announced a cut to the base rate. It made big news and left many homeowners wondering whether their mortgage payments would now go down. For most...
How a Joint Borrower, Sole Proprietor Mortgage Helped a First-Time Buyer Secure Their Dream Home
How a Joint Borrower, Sole Proprietor Mortgage Helped a First-Time Buyer Secure Their Dream Home When you are a first-time buyer with big ambitions, the numbers on paper don’t always tell the full story. One of our accountancy partners referred to a client who wanted...
How the 18-Month Rule Works for Self-Employed Mortgages
How the 18-Month Rule Works for Self-Employed Mortgages Applying for a mortgage when you are self-employed can feel more complicated than it should. One of the most common questions we hear is: “How recent do my accounts or tax returns need to be?” This is where the...
Why the Right Mortgage Advice Matters for Company Directors: From Limited Options to the Home They Really Wanted
Why the Right Mortgage Advice Matters for Company Directors: From Limited Options to the Home They Really Wanted When it comes to getting a mortgage, company directors are often told they don’t earn enough—even when their business is thriving. For one couple,...
Getting a Mortgage With an Unusual Business Structure—What Really Matters
Getting a Mortgage With an Unusual Business Structure—What Really Matters When a company director has multiple businesses and a tax-efficient structure, getting a mortgage isn’t always straightforward—even if they can comfortably afford it. In this real-life case, a...
Business Owners & Mortgages: Common Misconceptions Explained
Business Owners & Mortgages: Common Misconceptions Explained For many business owners, the mortgage process can feel more complicated than it needs to be. Misinformation and well-meaning assumptions often lead to costly decisions or missed opportunities. In this...
Getting a Mortgage While Your Business Shows a Loss: A Case Study in Lender Flexibility
Getting a Mortgage While Your Business Shows a Loss: A Case Study in Lender Flexibility A limited company director was recently referred to us by one of our accountancy partners. On paper, his business had shown losses for two consecutive years. However, this wasn’t...
Mortgages with One Year’s Accounts: What Are Your Options?
Mortgages with One Year’s Accounts: What Are Your Options? Many self-employed people and company directors worry that they will not be eligible for a mortgage unless they have at least two or three years of trading history. The reality is that it can be possible to...
Let to Buy for Company Directors – How Business Owners Can Move Without Selling
Let to Buy for Company Directors - A Cost Effective Approach If you’re a company director thinking about your next move, you might assume that selling your current home is the only way to fund your onward purchase. But what if there was a smarter way to do it? A way...