Many clients come to us having been put off by a negative lending response from their “own bank” – no matter how long the relationship. If you are a sole trader, LLP Member or Ltd company director, or maybe have switched between employment and become self employment, after a successful career as an employee,we can help. Each bank has a different rule about how they treat net profit, taxable profit, retained profit, salary and dividends or trading time. Often Directors may not want to award the maximum dividends so as to minimise a tax bill. We are specialists in placing our clients with the most suitable lender, according to each separate circumstance, allowing you to concentrate on your business and so as not to be penalised for running a tax efficient operation.

We use the same calculators as the bank’s underwriters so can be sure to provide an accurate illustration of your borrowing capabilities, meaning no nasty surprises half way through a house buying process.