Insights from Willow Private Finance

The whole picture. Not just the loan.

We start with your circumstances, assets and longer-term plans, not a preferred lending product. As an independent, whole-of-market brokerage, we compare the relevant financing routes and work alongside your tax and wealth advisers where appropriate. Our focus is where specialist thinking adds value, not simply the size of your loan.

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Company Directors & Remuneration

When a director’s income doesn’t tell the whole story.

Practical guidance for accountants helping clients turn strong company performance into a mortgage application that lenders can understand.

Willow navigator What has changed for your client?

Choose the closest situation. You can browse every guide further down.

01 The company retains most of its profit Read the relevant guide 02 Income has risen since the last accounts Read the relevant guide 03 Remuneration planning is about to change Read the relevant guide
12 practical guides

Find the question you need answered.

There is no required reading order. Each guide deals with one issue likely to arise in a client conversation.

Core topic Director income & company performance 9 guides
01 Your Client Retains Most of Their Profit: How Mortgage Lenders May Assess Their Income Retained profit 02 Salary, Dividends or Company Profit: Why the Mortgage Figure Can Differ Dramatically Income methodology 03 When Should an Accountant Involve a Mortgage Adviser in Director Remuneration Planning? Remuneration planning 04 What Mortgage Lenders May Need From an Accountant for a Company Director Accountant evidence 05 A Director’s Income Has Increased Since the Last Accounts: What Finance Routes May Exist? Recent growth 06 Multiple Limited Companies: How Lenders May Assess a Director’s Wider Position Multiple companies 07 Can Forecast Accounts Help a Client Obtain a Mortgage? Forecast accounts 08 Director’s Loan Accounts and Mortgage Applications: What Accountants Should Know Director’s loans 09 Your Client’s Company Made a Loss After a One-Off Cost: Can a Mortgage Lender Look Beyond It? One-off losses
Related topic Other complex-income cases 3 guides
10 A Partner’s Profit Share and Drawings Are Different: Which Income Figure Might a Mortgage Lender Use? Partners and LLPs 11 A CIS Subcontractor’s Bank Credits Are Net of Tax: Which Income Might a Mortgage Lender Use? CIS income 12 Multiple Income Sources: Mortgage Accountant Guide Multiple incomes
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Have a director case you would like to sense-check?

Start with the objective, approximate amount, timing and the income complication. A concise outline is enough for an initial conversation.

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Willow Private Finance provides mortgage and property finance advice. Accountants remain responsible for accounting and tax advice. Lending is subject to status, valuation, lender criteria and full underwriting.