Company Director Home Loans
As a company director, your income comes from multiple streams — PAYG salary, dividends, and potentially retained earnings. How lenders treat each one varies enormously.
PAYG Salary
Your company pays you a regular salary. Lenders love this — it's assessed like any employee income. But if it's low (to minimise tax), it limits borrowing.
Dividends
Some lenders add dividends to salary. Others ignore them. The right lender selection can add hundreds of thousands to your borrowing capacity.
Retained Earnings
A few lenders consider retained company profits (after tax) as potential income. This is powerful for directors with growing companies.
Why Lender Selection Is Critical
Consider a director earning $80k salary + $120k dividends. Under Lender A (salary only), borrowing capacity might be $480k. Under Lender B (salary + dividends), capacity jumps to $1.2M. Same person, same financials — dramatically different outcomes.
Lender A (salary only)
~$480,000
Based on $80k PAYG only
Lender B (salary + dividends)
~$1,200,000
Based on $200k total
Trust Structures & Multiple Entities
- Operating company with trust distributions — we trace income through to the individual
- Multiple directorships — we consolidate income from all entities where you're a shareholder/director
- Family trust distributions — some lenders accept, most don't. We know exactly which ones do
- Bucket company retained earnings — specialist lenders can factor this into serviceability
Let a CPA Broker Assess Your Structure
We\'ll review your company financials, identify the right lender, and maximise your borrowing capacity.
Request Assessment