Being an Ltd company Director might sometimes feel like you are employed through your own company because you receive monthly payments through the PAYE scheme. Through the eyes of a mortgage lender, you are treated as self-employed when you own more than 20% of your limited company.

Did you know that this can work in your favour?  This is where the advice and knowledge of DJB Mortgages come into play, as we will look at both scenarios and advise you on which one works best for your circumstances. We can look at your income in 2 different ways to ensure that we are using as much income as possible. We have relationships with major mortgage lenders that will either use your salary plus dividend payments or, if you decided to leave profit within the company, we have lenders that will utilise the salary and company profits.

We can access these specialist lenders due to DJB Mortgages being a trading name of Just Mortgages Direct Limited which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK. This gives us the backing of one of the largest financial advice networks and inturn allows us access to semi-exclusive and exclusive mortgage deals.