Which UK Lenders Accept Dividend Income for Ltd Company Directors?
Around 77 UK lenders accept dividend income for Ltd company directors — but the rules vary. Most use salary + dividends from the last 2 years of accounts. A smaller pool uses retained profit (salary + net profit) which is often more favourable.
Data refreshed 2026-07-15. Information only — not advice.
Your situation
75 of 75 matching lenders for your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV, for directors holding ≥25%
- Barclays— Up to 95% LTV, for directors holding ≥20%
- Clydesdale Bank— Up to 95% LTV, for directors holding ≥25%
- Halifax— Up to 95% LTV, for directors holding ≥25%
- HSBC— Up to 95% LTV, for directors holding ≥25%
- Metro Bank— Up to 95% LTV, for directors holding ≥25%
- Nationwide— Up to 95% LTV, for directors holding ≥20%
- NatWest— Up to 95% LTV
- Santander— Up to 95% LTV, for directors holding ≥20%
- The Co-operative Bank— Up to 95% LTV
- TSB— Up to 95% LTV, for directors holding ≥25%
- Virgin Money— Up to 95% LTV, for directors holding ≥20%
Building Societies
- Accord Mortgages— Up to 99% LTV
- Bath Building Society— Up to 95% LTV, for directors holding ≥20%
- Beverley Building Society— Up to 95% LTV
- Buckinghamshire Building Society— Up to 90% LTV, for directors holding ≥20%
- Cambridge Building Society— Up to 95% LTV, for directors holding ≥25%
- Chorley Building Society— Up to 95% LTV, for directors holding ≥25%
- Coventry Building Society— Up to 95% LTV, for directors holding ≥20%
- Cumberland Building Society— Up to 95% LTV, for directors holding ≥25%
- Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage)
- Dudley Building Society— Up to 90% LTV, for directors holding ≥25%
- Earl Shilton Building Society— Up to 95% LTV
- Ecology Building Society— Green-gated lending only — every product requires the property to meet ecological/EPC criteria; LTV varies by product (Eco Home/Green Renovation 80%, Renovation 90%, Shared Ownership 95% of share)
- Family Building Society— Up to 80% LTV, for directors holding ≥33%
- Furness Building Society— Up to 95% LTV
- Hanley Economic Building Society— Up to 95% LTV, for directors holding ≥25%
- Hinckley & Rugby Building Society— Up to 95% LTV, for directors holding ≥25%
- Leeds Building Society— Up to 95% LTV, for directors holding ≥25%
- Leek Building Society— Up to 95% LTV, for directors holding ≥25%
- Loughborough Building Society— Up to 95% LTV, for directors holding ≥25%
- Mansfield Building Society— Up to 95% LTV
- Market Harborough Building Society— Up to 80% LTV
- Marsden Building Society— Up to 95% LTV, for directors holding ≥25%
- Monmouthshire Building Society— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV, for directors holding ≥20%
- Newbury Building Society— Up to 95% LTV, for directors holding ≥25%
- Newcastle Building Society— Up to 95% LTV, for directors holding ≥25%
- Nottingham Building Society— Up to 95% LTV
- Penrith Building Society— Up to 90% LTV
- Principality Building Society— Up to 95% LTV, for directors holding ≥33%
- Progressive Building Society— Up to 95% LTV, for directors holding ≥20%
- Saffron Building Society— Up to 95% LTV, for directors holding ≥20%
- Scottish Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV, for directors holding ≥20%
- Stafford Railway Building Society— Up to 95% LTV, for directors holding ≥25%
- Suffolk Building Society— Up to 95% LTV, for directors holding ≥25%
- Teachers Building Society— Up to 95% LTV, for directors holding ≥20%
- The Melton Building Society— Up to 95% LTV (interest-only 60%, London 60%)
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV, for directors holding ≥20%
- West Bromwich Building Society— Up to 95% LTV, for directors holding ≥25%
Specialist Lenders
- Aldermore— Up to 95% LTV, for directors holding ≥25%
- Atom Bank— Up to 95% LTV, for directors holding ≥20%
- Bluestone Mortgages— Up to 90% LTV, for directors holding ≥100%
- Fleet Mortgages— Up to 75% LTV
- Foundation Home Loans— Up to 90% LTV, for directors holding ≥20%
- Gatehouse Bank— Up to 80% LTV, for directors holding ≥25%
- Generation Home— Up to 95% LTV, for directors holding ≥20%
- Hodge Bank— Up to 95% LTV, for directors holding ≥100%
- InterBay— Up to 85% LTV
- Kensington Mortgages— Up to 95% LTV, for directors holding ≥25%
- Keystone Property Finance— Up to 80% LTV, for directors holding ≥20%
- LendInvest— Up to 90% LTV, for directors holding ≥100%
- Pepper Money— Up to 85% LTV (75% above £750k)
- Perenna— Up to 95% LTV, for directors holding ≥20%
- Precise Mortgages— Up to 95% LTV
- Skipton International— Up to 75% LTV
- Tandem Bank— Up to 90% LTV
- The Mortgage Lender— Up to 95% LTV
- The Mortgage Works— Up to 80% LTV
- Together— Up to 75% LTV
- United Trust Bank— Up to 85% LTV
- Vida Homeloans— Up to 97% LTV
- West One Loans— Up to 97.5% LTV, for directors holding ≥25%
- Zephyr Homeloans— Up to 80% LTV
Why some lenders say no
- Most lenders require 2 years of finalised accounts or SA302s.
- Minimum shareholding is often 20-25% to qualify as a director for this purpose.
- Retained profit method (salary + net profit) yields more than salary + dividends for many directors.
Related reading: Self-employed affordability — full guide · Why your DIP came in lower than expected
See what each of these lenders would actually offer you
No credit search, results in 2 minutes. Free for 9 lenders, £4.99 for the full 60+.
Run My Affordability CheckFrequently asked questions
What's the difference between salary+dividends and retained profit?
Salary + dividends uses what you actually drew from the business. Retained profit (net profit + salary, before corporation tax) often yields more because directors typically retain profit rather than draw it. Halifax, Kensington, Clydesdale are known for accepting retained profit.
Do I need a minimum shareholding?
Most lenders treat you as a director-borrower if you hold 20-25% or more of the business. Below that, you may be assessed as employed on your PAYE salary only.
How many years of accounts?
2 years is standard. 1 year is accepted by a handful (Halifax, Kensington, Precise, Accord) with accountant-certified projections.
Does my accountant need to be qualified?
Yes — most lenders require ACA, ACCA, CIMA or similar. Unqualified accountant-prepared accounts are often rejected.
