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
As a Business Owner, how do I protect my income?
Being unable to work poses a huge risk for a large number of Business Owners. Having a Business Continuity and Protection Plan is therefore crucial to counter this risk. This will make the business more financially resilient should the worst happen - The loss of key...
How is affordability assessed for a Company Director Mortgage?
The calculation of affordability is a crucial aspect that often leads company directors to seek out specialist mortgage providers to optimise their borrowing potential. Different lenders employ varying methods for assessing affordability. Some may consider an average...
What is the Eligibility Criteria for a Company Director Mortgage?
The eligibility criteria can vary significantly among lenders, but you can anticipate the following factors being taken into consideration: Trading Period: Most lenders prefer businesses to have operated for two to three years or more. However, it's still feasible to...
What deposit amount is required for a Limited Company Director Mortgage?
While the minimum deposit for a home is typically 5%, securing a favorable deal hinges on having an excellent credit rating. The greater your deposit contribution, the broader your selection of lenders, the more favorable the interest rates, and the lower your monthly...
How do mortgages for company directors work?
In essence, mortgages for company directors operate much like any other mortgage application. A successful application demonstrates alignment with the lenders' risk criteria and the ability to manage repayments. The intricacies emerge from the fact that many lenders,...
As a Limited Company Director, can I secure a mortgage?
If your company has been operating for at least a year and is profitable, obtaining a mortgage should be relatively straightforward. However, if your company is relatively new, securing a mortgage might pose more challenges. One of the main hurdles for Limited...