WHY BANKS SAY NO
The High-Street Trap (Salary + Dividends)
Computer-says-no underwriting penalises tax-efficient directors who leave cash in their business, artificially limiting mortgage size and penalising recent trading history.
Company Directors · Day-Rate Contractors · CIS
Unlock Your True Borrowing Power Using Retained Profit & Day Rates
High-street banks restrict your mortgage by only looking at salary and drawn dividends. We use specialist lenders who underwrite based on 100% of your business net profit or annualised day rate—often unlocking £150,000+ in extra borrowing power.
Calculate Your True Income BorrowingThe high-street problem vs. the Acorn solution
RETAINED PROFIT
The Ltd Co Director Solution
We use lenders who calculate affordability from director salary plus your percentage share of net pre-tax profit, with options from one year’s accounts.
ANNUALISED DAY RATES
The Day-Rate Contractor Solution
We bypass dividend history: lenders may use gross day rate × 5 days × 46 weeks and lend at 5.0×–5.5× true contract value.
“True Income” Borrowing Calculator
£30,000
£5,000£100,000
£40,000
£0£200,000
£140,000
£10,000£500,000
Standard high-street bank limit
£315,000
4.5× salary + dividends, or annualised contract value.
Acorn specialist borrowing limit
£850,000–£935,000
5.0×–5.5× eligible true income.
Extra borrowing power unlocked
£620,000
By using retained-profit/day-rate underwriting, you could unlock an estimated £620,000 more toward your home purchase.
Download Your True Income Assessment & Request an AIP
Convert your figures into a borrowing assessment and request an Agreement in Principle from our specialist panel.
Important Regulatory Notice
Acorn.mortgage (Trading style of Paul Thompson) is authorised and regulated by the Financial Conduct Authority (FCA #660207). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Borrowing limits calculated are indicative and subject to full lender underwriting, credit scoring, affordability assessment and property valuation.