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Mortgage Using Retained Profit

Keeping money in your business? Use retained profit in your mortgage application.

Check your eligibility in 2 minutes.

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We Specialise In Self-Employed Mortgages

Boost Your Borrowing

Boost Your Borrowing

Borrow up to 6 times your income using retained profit. We have access to specialist income boosting lenders not available to the general public. 

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No matter if you are a limited company director, sole trader, partner, freelancer, landlord; we have the right mortgage solution for you. 

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Keep Money In The Bank

Keep Money In The Bank

You only need a 5% deposit (or equity if a remortgage). This will allow you keep back money for home improvements, debt consolidation, future purchases, etc. 

Self Employed Experts.

Unlike most mortgage lenders, our team understands financial accounts.

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Latest Year Figures

Retained Profit

Gross Profit

If there is an upward trend in income across the last few years, it makes sense to your latest year only (instead of averaging).

If you decide to keep money in the business, this can still be used in the affordability calculation. 

Our lenders will consider using gross profit, instead of net profit, which will help to maximise your mortgage.

In this self-employed mortgage guide:

  • Can I get a mortgage based on retained profits?

  • Reasons for using retained profit

  • Who qualifies?

  • I don't own 100% of the business, can I still use retained profits?

Can I get a mortgage based on retained profits?

The short answer is yes. If you decided to keep profits in the business (often for tax reasons), it makes sense to use this in your mortgage application as it will help maximise your borrowing.

Often mortgage lenders will only consider what is on your tax calculation / tax return. For limited company owners, this would be your salary + dividends. However, this doesn't make sense if you are retaining a large proportion of profit. 

For instance, if your business made a net profit of £150,000 last year, however you only decide to withdraw £75,000 of this, it is still possible to find a lender to consider a mortgage of £750,000 (£150,000 X 5).

Reasons for using retained profit

The main reason for using retained profit is to maximise borrowings. If you are wanting to buy a new home but are being declined by lenders due to affordability, this may be the best option. 

Also, it strengthens your mortgage application, as it shows a mortgage lender you have money stored in your business or you are prudent business owner. 

Who qualifies?


  • Limited company owners

  • Company directors

  • Sole traders

  • Freelancers

  • Landlords

I don't own 100% of the business, can I still use retained profits?

Yes, it certainly still possible. However, you can only justify using the same percentage as your ownership share. Unless, the other owner(s) are applicants on the mortgage. .

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