About Haus Advisory
Haus Advisory focuses on mortgages for income that does not fit a standard payslip. It works with limited-company directors, professional partners and self-employed applicants, while also handling first-time buyers, remortgages and buy-to-let cases.
The Leeds team reads accounts as an underwriter may, then matches applicants with lenders whose criteria suit how they are paid. Depending on the lender, this can include retained company profit, a contractor’s day rate or a partner’s share of profit. A case-specific document checklist follows the initial call, helping applicants gather relevant evidence.
Before you choose Haus Advisory
5.0 on average from 94 reviews
In its favour
- Complex-income mortgage specialism
- Case-specific evidence checklists
Worth asking about
- Lending remains subject to underwriting and property valuation
Typical client: Company directors, partners and self-employed borrowers
Specialties
Also works on: first-time buyers
Key facts
- Type
- Mortgage broker
- Rating
- 5.0 on average from 94 reviews
Featured in
Questions and answers
Is the first mortgage consultation free?
Yes. The first consultation is free, and the adviser then explains how the case usually runs.
Can company directors get a mortgage using retained profit?
Yes, some lenders can use a director's share of company net profit, including profit left in the business. Shareholding and time held can affect the assessment.
How many years of accounts are needed for a company director mortgage?
Most lenders ask for two years of accounts, although some may consider one year or the latest year where profit has increased.
Can mortgage lenders use a contractor's day rate?
Yes, some lenders multiply the day rate across a working year. They also consider contracting history and gaps between contracts.
Can company money be used for a mortgage deposit?
Yes, some lenders accept a deposit from company funds, usually taken as a dividend or loan, with evidence showing where it came from.
Are there special mortgage deals for solicitors?
Yes, some lenders offer enhanced terms for qualified professionals such as solicitors, potentially using a higher income multiple than standard criteria.
