If you are self employed, the earnings from your business will be used to work out how much you can borrow. You’ll need to be able to provide a good track record of trading for 3 years or more to qualify with most lenders.

For sole traders and partnerships, mortgage lenders typically look at the net profit drawn down from the business to assess how much you can borrow.

For company directors, both salary and dividends are considered so it doesn’t matter if you pay yourself a low salary and received the rest of your income via dividends.