Our specialist mortgage advisers understand the unique financial profiles of entrepreneurs. With extensive experience and deep industry knowledge, we work closely with specialist mortgage lenders to tailor solutions for entrepreneurs with complex or unconventional income streams.
At Bower Private Clients, we work with entrepreneurs to create tailored mortgage solutions to align with the complexities of their main income streams. We support our clients in understanding traditional vs non-traditional lending models and take time to understand any complex or diverse income streams in depth so we can provide tailored advice to match your circumstances.
We work with specialist mortgage lenders across the market who understand the nuances of entrepreneurial finance and can review your income streams, including dividends and contractor income, when assessing your application. This means we can help secure the right mortgage for your unique circumstances.
Entrepreneurs come in all shapes and sizes and company structures. Whether you are self-employed, running a limited company or a company director, or part of a Limited Liability Partnership (LLP), at Bower Private Clients, we’ll support you in navigating the mortgage landscape with confidence and secure a mortgage that supports your ambitions as an entrepreneur.
For entrepreneurs, securing a mortgage can feel daunting due to the varied and sometimes unpredictable nature of your income. Whether you operate as a sole trader, company director, or partner in a business, your financial profile is often more complex than that of a traditional employee. This is where working with a mortgage broker who understands self-employment and the intricacies of entrepreneur finances becomes invaluable.
Specialist lenders and private banks are well-versed in assessing mortgage applications from entrepreneurs, some may take into account diverse income streams such as dividend payments, profits from a limited company, and earnings from investments, however this may differ between lenders. With the right expertise, you can find a lender who appreciates the full scope of your business and personal income, ensuring you access mortgage solutions tailored to your unique circumstances.
The amount you can borrow with an entrepreneur mortgage depends on a range of factors beyond just your personal income. Lenders will look at the overall financial health of your business, including profits, retained earnings, cash flow, and how consistently the business performs. They may also consider your ownership stake, how long the business has been trading, and your personal credit profile. In addition, lenders assess whether you can afford the repayments by evaluating your income stability, overall affordability, and the money you have available, taking into account your complete financial situation.
At Bower Private Clients, we work with specialist mortgage lenders who understand entrepreneurial income and are open to flexible underwriting. This allows us to secure high-value mortgages, often exceeding £1 million, for clients with complex or non-traditional financial structures. Every case is unique, so we tailor our advice to help you understand your borrowing potential based on your full financial picture.
Securing a mortgage as an entrepreneur can be more complex, especially when your income doesn’t fit the standard mould. Many traditional lenders focus solely on fixed salaries and may overlook the broader financial picture, making it harder for self-employed individuals to get approved or secure competitive terms. Specialist lenders, however, assess affordability and profit by looking at your comprehensive financial situation, including various income streams and business profits, to determine your eligibility for entrepreneur mortgage loans. Income paid as dividends, commissions, or contractor payments can also be considered by specialist mortgage lenders when assessing eligibility, and the suitability of the subject property is an important part of the mortgage assessment process.
At Bower Private Clients, we take a more holistic approach. We understand that your income may come from various sources and may fluctuate year to year. That’s why we evaluate your overall business performance, considering factors like retained earnings and company profitability. Lenders will decide how much they are willing to lend by assessing your financial stability, income consistency, and the profit generated by your business, ensuring that the loans offered are tailored to your unique circumstances. Whether you are buying your first home or remortgaging, moving house involves additional considerations such as providing proof of income, property valuation, and understanding the transfer process. By working closely with you and specialist lenders, we’ll work hard to find you the right mortgage solution that is based on a true reflection of your financial position, not just what appears on your payslip. When choosing a lender, paying attention to interest rates and fees is crucial to ensure overall affordability. Specialist mortgage lenders also assess the security of the loan by carefully evaluating your financial situation, providing an added layer of risk assessment.
Securing a mortgage as a limited company director or business owner comes with its own set of challenges, but with the right support and preparation, you can find a lender who understands your unique financial situation and income. Unlike traditional employees, your income may be drawn from a combination of your salary and dividend payments, and your company’s profits and retained earnings can play a significant role in how mortgage providers assess your application.
Most lenders will require at least two years’ worth of company accounts, to get a clear picture of your business’s financial health. They’ll look closely at the profitability of your company, and your personal income streams. For many entrepreneurs, providing a tax year overview and detailed tax calculations can help demonstrate consistent earnings and the ability to afford mortgage repayments.
Specialist mortgage providers can offer a more flexible approach to lending, working closely with mortgage brokers to tailor mortgages to your individual needs and income streams. These lenders may consider a broader range of financial evidence, including bank statements, business accounts, and proof of ongoing profitability.
Ultimately, the process of securing a mortgage as a limited company director is about demonstrating affordability, stability, and the ability to repay the loan. By preparing detailed accounts, and seeking expert mortgage advice, you can present a compelling case to specialist lenders and increase your chances of approval. With the right support, you can secure a mortgage that aligns with your business goals and personal ambitions, allowing you to move forward with confidence.
Take the first step in your complex mortgage journey with Bower Private Clients.
Take a look at what our clients are saying about Bower Private Clients
I received fantastic service. My advisor was very proffesional and guided me through the whole process he was very knowledgeable about the products and worked hard to find the right one for me. He was always there to advise me and answer any questions I may have. I would not hesitate to recommend this company and my advisor to anyone requiring these services. I would definately give them 10 out of 10.
Miss Steel
Bower were worry-free, polite, efficient and friendly and got the job done with no fuss or bother. They kept us in the loop at all times, making us feel at ease, and any questions we asked, they responded with clarity and accuracy. We highly recommend them to anyone selling their house and doing an equity release. And all the sub people were excellent. Vanessa Carver was brilliant; she made it run smoothly. She was a godsend.
Mr & Mrs Kindon
GBR
Considering Equity Release was a big decision for me. Living on my own meant I had no-one to bounce ideas off so I hesitated for three months before I made the decision to contact Bower Home Finance. I read the amazing reviews they had and decided they were the ones for me. I made the initial contact on the 4th November 2025 and by the next day I was talking to Ian Bigwood who had been allocated to me. Ian had the patience to answer all of my (sometimes silly) questions, but I wanted to make sure I was doing the right thing. Ian took on board everything I said, on where I needed to be in the next twelve months and my long term goals post retirement. He advised me perfectly on what I needed and remained in full contact throughout the process, even when I wasn't expecting to hear from him. He liaised with other parties such as an equally as professional Solicitor Team to provide a perfect, worry-free service and they all contacted me when they were meant to. No delays, no stress. On the 13th January 2026, Ian called to say "Have you checked your bank account?" (I hadn't). The process was complete. In just over two months, the process was done, with no worries for me. Just to say to Bower Home Finance, you have a thoroughly professional and likeable member of your team. Easy to deal with, no pressurised questions, just the information you need and on call whenever you need them. I have no hesitation in recommending their services. I can't see how any other company could be more efficient. 10/10 from me. Oh and Ian - you may have just changed my life. And for that, I cannot be more grateful. Thank you for all you have done.
Mr Salt
GBR
I was recommended to use Vanessa Carver of Bower from a customer of mine who had employed her services and I haven't regretted one day of my decision to use her.... she is totally suited to the job she does - informative, always there for any questions or worries, empathetic, positive and very clever and knows her stuff - in short, I would recommend her to anyone as she has supported me all the way through a very stressful period of time and gone over and above the call of duty.... Bower are so lucky to have her.
Mrs Cooke
At Bower Private Clients, we specialise in helping entrepreneurs secure mortgage solutions that truly reflect their unique financial situations. Our expert advisers understand the complexities of non-traditional income, whether it comes from business profits, dividends, or multiple ventures, and are experienced in structuring bespoke mortgage strategies that work for you.
If you have transitioned to self-employment within the same industry, you may need to demonstrate ongoing work and income stability in that field when applying for a mortgage.
Whether you’re purchasing a high-value home, investing in property, or refinancing an existing mortgage, our team will guide you through the process with clarity and confidence. We work with a wide network of specialist lenders who understand entrepreneurial income, allowing us to secure mortgages tailored to your individual circumstances.
To take the next step, arrange a consultation with one of our mortgage advisers to discuss your unique circumstances. You can also speak directly with a specialist to explore your mortgage options and get expert guidance tailored to your needs.
From helping you to get on the property ladder to remortgaging your home with a mortgage for contractors, our specialist mortgage advisers are on hand to help you fulfil your property dreams.
Read more about usAt Bower Private Clients, our advisers have decades of industry knowledge and experience which can help you navigate the complexities of mortgage applications for entrepreneurs and the evidence you’ll need to provide. This can include recent bank statements, tax year overviews, and accounts prepared by a chartered accountant.
If you’re a sole trader, company director, or part of a partnership, you may also need to supply detailed tax calculations and provide comprehensive details about your business’s profits and performance, and evidence of future business contracts. In some cases, if you are looking to apply for a self-employed mortgage, you may also need to provide evidence of ongoing work and financial stability.
As a business owner, it is important to have a clear understanding of your finances, including your income, expenses, and tax obligations. This will help you in the future when you need to gather the necessary documentation to assist you in presenting a strong case to mortgage lenders when you are ready to proceed with your application. By working closely with a mortgage broker such as Bower Private Clients, you will receive tailored advice and support throughout the process, from helping you prepare the correct documents, to finding the right mortgage to suit your needs.
In the UK, there are many specialist lenders and building societies who offer tailored mortgages for the unique circumstances of self-employed workers and entrepreneurs. These mortgage providers use underwriters to assess each application individually, rather than relying solely on automated systems. It’s important to note that your income from the first year of self-employment may be assessed differently by lenders, and you may be required to provide additional evidence, such as projected earnings or contracts, to support your application and get a mortgage.
By speaking with a mortgage broker and providing documented evidence of your income and financial position, you can secure a mortgage that fits your goals, whether you’re looking to buy your first home, invest in a property, or remortgage your existing home. No matter your business structure, sole trader, limited company, or partnership, understanding your income and preparing the right documentation is key to a successful mortgage application. Which is why at Bower Private Clients, we offer advice and support so you can move forward with confidence and secure a mortgage that suits your ambitions as an entrepreneur.
Yes, whether you’re self-employed or running your own business, entrepreneurs can often have multiple streams of income, including their salary, dividend payments, and business profits, as well as income from different businesses. This variety of income sources can make your financial situation appear more complex to most mortgage providers, however, with the right documentation and an experienced mortgage broker such as Bower Private Clients, an entrepreneur mortgage is possible with multiple income streams.
With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy
Bower Private Clients provides independent, impartial whole of market mortgage advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed, would a typical advice and administration fee of £495 be payable.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on 0203 817 6040.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Bower Private Clients is a trading style of Bower Retirement Limited and is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Registered in England and Wales No: 5788110. Registered office: Bower Private Clients, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
0808 281 2658
customer.services@bowerhomefinance.co.uk