Sole Trader to Limited Company
Finance solutions when transitioning from sole trader to limited company structure.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews
Changing business structure from sole trader to limited company can affect your mortgage and finance applications. We help navigate this transition, ensuring you can still access the best commercial finance products by matching you with lenders who understand combined trading history.
Common Challenges
- Limited company only has 1 year of accounts
- Lenders treating you as a "new" business
- Income assessment changing from profit to salary plus dividends
- Loss of trading history from sole trader years
How We Help
- Lenders who accept combined sole trader and Ltd history
- Income assessed on salary plus dividends or share of net profit
- Accountant's projections accepted by some lenders
- Flexible criteria for recently incorporated companies
Frequently Asked Questions
I incorporated 6 months ago, can I still get a mortgage?
Potentially, yes. Some lenders will accept your sole trader history combined with your new limited company accounts. We'll find the right match.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.