Which UK Lenders Accept Dividend Income for Ltd Company Directors?

Around 75 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 2026-04-22. Information only — not advice.

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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, for directors holding ≥25%
Dudley Building Society— Up to 90% LTV, for directors holding ≥25%
Earl Shilton Building Society— Up to 95% LTV
Ecology Building Society— for directors holding ≥20%
Family Building Society— Up to 80% LTV, for directors holding ≥33%
Furness Building Society— Up to 95% LTV
Godiva Mortgages— Up to 95% LTV, for directors holding ≥20%
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— 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— See lender criteria
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%
BM Solutions— Up to 80% LTV, for directors holding ≥25%
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— See lender criteria
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
Together— for directors holding ≥20%
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%

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.

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Frequently 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.