If you’re self-employed or run a limited company, getting a mortgage can feel unnecessarily complicated. Unlike employed applicants, your income structure, tax position, and business setup are rarely straightforward — and that can make lenders cautious.
But complexity doesn’t need to be a barrier. In fact, when handled properly, it can become a strategic advantage.
At Avail Financial Planning, we work with business owners and professionals to help ensure their mortgage decisions are not taken in isolation, but form part of a broader financial strategy. One that’s tax-efficient, forward-thinking, and aligned with their long-term goals.
The Problem with Standard Mortgage Advice
Traditional mortgage advice often takes a one-dimensional view of your income. Most brokers will request your salary and dividend details, check your latest tax return, and assess your borrowing power based on that alone.
For business owners, that’s rarely the full picture.
Key considerations often overlooked:
- Retained profits within your limited company
- Plans for extracting income in the future
- Timing of tax-deductible pension contributions
- Investment withdrawals or director’s loans
- A business structure that supports growth and lifestyle, not just income
Without integrating these factors, many business owners either get declined, offered poor terms, or end up making decisions that undermine their wider financial planning.
How We Help You Plan Better
At Avail, we take a strategic approach — ensuring your mortgage fits neatly within your overall financial plan.
We help:
- Present your business income in a way that lenders understand and accept
- Structure your income and borrowing to preserve tax efficiency
- Time financial decisions (such as pension contributions or ISA funding) to support your mortgage approval and broader goals
- Ensure borrowing doesn’t undermine your investment, retirement, or protection plans
This is not just about securing the loan. It’s about building a stronger financial foundation overall.
What Strategic Mortgage Planning Looks Like
1. We understand business structures.
We know how to interpret complex income and explain your true affordability to lenders in the right way.
2. We align your mortgage with your lifestyle goals.
Your business and personal goals should shape how you borrow — not be restricted by how you currently draw income.
3. We time key financial events strategically.
We’ll help coordinate salary changes, dividend planning, pension contributions, and more — in a way that enhances your mortgage outcome and your long-term wealth.
4. We ensure your wider plan still works.
Mortgages don’t exist in a vacuum. We help you borrow in a way that protects your retirement planning, investment strategy, and legacy.
A Real Example
A recent client, a limited company director, wanted to buy a £900,000 home.
They were:
- Drawing a £50,000 salary
- Retaining over £150,000 in company profits
A traditional broker said they didn’t meet affordability requirements. But we restructured their income strategy, coordinated a pension contribution, and presented a comprehensive view to a suitable lender.
The result:
- Mortgage approved
- Corporation Tax reduced
- Pension plan strengthened
Why Business Owners Choose Avail
At Avail Financial Planning, we work exclusively with business owners and professionals who value expert advice that goes beyond ticking boxes.
Our mortgage advice is always delivered in the context of your wider financial plan. We don’t just help you borrow — we help you build long-term wealth, reduce unnecessary tax, and stay in control of your financial future.
Book a Strategy Call
If you’re considering a mortgage — or want to understand your options — book a no-obligation Strategy Call with us today.
We’ll help you make informed decisions that support your borrowing and your broader financial goals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender
SJP Approved 23/07/2025
