Why Business Owners Like You Choose Acorn.mortgage;
Your Business is Unique. Your Mortgage Should Be Too.
High street banks use one-size-fits-all criteria that simply don’t work for business owners. We know how to present your income in the best light, whether you’re;
The New Business Owner
Started your company less than 2 years ago? Limited accounts? Traditional lenders often say “come back later”. We work with specialist lenders who understand startup trajectories and can assess your potential, not just your past.
The Tax-Efficient Director
Drawing a low salary and high dividends? Retaining profits in your company? Your low “taxable income” doesn’t reflect your true earning power. We know lenders who look at director’s loans, retained profits, and your full financial picture.
The Complex Income Portfolio
Multiple companies? Mix of salary, dividends, rental income, and investments? We specialise in presenting complex income structures clearly to lenders who understand multi-stream earnings.
The High-Growth Entrepreneur
Reinvesting everything back into growth? Your accounts show minimal profit but your business is thriving? We access lenders who value your business assets, order books, and future contracts—not just last year’s net profit.
The High Net Worth Individual
Buying above £1M? Significant assets but unconventional income? Private banks and specialist lenders offer bespoke solutions based on your total wealth, not just your payslip. We have exclusive relationships with these lenders.
The International Business Owner
Foreign income? Offshore companies? Non-UK residents? Standard lenders won’t touch you! We work with international lending specialists who understand global business structures and currency considerations.
How We Get Business Owners Approved
1
Income Analysis
We examine every income source: salary, dividends, retained profits, director’s loans, net assets, and more. We calculate your true borrowing power.
2
Document Preparation
We ensure your SA302s, company accounts, tax overviews, bank statements, and supporting documents are perfect. No surprises, no delays.
3
Lender Matching
With whole-of-market access, we identify the 2-3 lenders most likely to approve your specific situation at the best rates available.
4
Expert Presentation
We package your application professionally, addressing potential concerns proactively and highlighting your strengths to underwriters.
5
Application Management
We handle all lender queries, chase progress daily, and keep you informed at every stage until completion.
6
Completion
Keys in hand. Whether it’s your family home or investment property, we’ve made it happen despite the complexity.
We Work With Lenders Who Understand Business Owners
Different lenders specialise in different scenarios. We know them all and have whole of market access.
High Street Banks
- Best rates for straightforward cases
- 2+ years' trading required
- Strong accounts essential
- Conservative income calculation
Specialist Lenders
- Accept 1 year's accounts (sometimes less)
- Understand complex structures
- Flexible income assessment
- Consider retained profits
Private Banks
- High-value properties (£1M+)
- Wealth-based underwriting
- Relationship banking approach
- Bespoke solutions available
Landlord Lenders
- For property business owners
- Understand rental income
- Professional landlords or mixed income
- Flexible affordability calculations to fit your circumstances
Asset-Based Lenders
- Business assets considered
- Order books valued
- Contract income assessed
- Flexible for growth businesses
Real Business Owners, Real Results
See how we’ve solved complex cases similar to yours
Understanding How Lenders View Business Owner Income
We help lenders see the full picture of your earnings
Not a business owner?
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