Salary Plus Dividends
Mortgage assessment based on salary plus dividends for company directors.
Maximise Your Borrowing Capacity
If you're a limited company director, many lenders will only use your PAYE salary for affordability. We know which lenders add dividends, retained profits or your share of net profit to maximise your borrowing capacity.
Income Methods We Access
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Free, no-obligation consultation. We'll be in touch within 24 hours.
Why This Matters
Many directors take a low PAYE salary and draw income as dividends for tax efficiency. If a lender only uses your salary, your borrowing capacity can be severely limited. By using the right lender and the right income calculation, we can often significantly increase the amount you can borrow.
How It Works
Initial Consultation
We discuss your situation, income, goals and any concerns — at our expense and without obligation.
Market Search
We search our extensive lender panel including specialist lenders to find the best deal.
Application
We prepare and submit your application, managing all lender communications.
Completion
We coordinate with solicitors and the lender through to completion day.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.