How do lenders assess company directors?

If you're a limited company director, lenders typically look at some combination of your salary, dividends and the company's net profit — but how much weight each gets varies a lot between lenders.

Some will consider retained profit left in the business as part of your income; others will only look at what you've actually drawn out.

Because of this variation, two lenders can reach quite different conclusions about the same set of company accounts — which is exactly the kind of comparison worth doing before you apply.