Mortgages using retained profits

Need a mortgage using retained profits? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making mortgages possible for people looking to use business profits, like you.

Get started
Featured in:

Can I get a mortgage using retained profits?

Yes, you can get a mortgage using retained profits! If you’re a business owner, and you haven’t used your profit yet, you might want to use that retained profit to get a mortgage. However, it can be difficult to do this because some lenders don’t like to accept your profit as an income amount.

The way mortgage lenders calculate affordability if you’re a business owner is usually by looking at your dividend income on top of your salary.  But quite often, your retained profits work out much higher than your dividend income and salary combined, so it’s pretty natural to want to use that amount instead because it can mean you could borrow more. 

Lenders have their own way of doing things, and a lot of them will stick to their policy of not using retained profits to calculate mortgage affordability. They do this because they think that you should use your own personal income instead of the business income. 

But there's still specialist lenders who will calculate a mortgage based on retained profits available to you. And that’s where we come in. Our Mortgage Experts have plenty of experience getting mortgages using retained profits, and will make your application look as good as possible to lenders.

Got questions?

Why should I use retained profits for a mortgage?

Can I borrow more on a mortgage if I use retained profits from my business?

How can I get a lender to accept my retained profits to get a larger mortgage?

What counts as my income as a company director?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.

useful links

Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Haven't we met before?