French mortgages if you own your own business

Company Directors are employed by the company, but how they are treated for affordability will be determined by how many shares they own in the business. This will vary from bank to bank, but normally if you own less than 14% of the company, the bank will consider you to be an employee and base the mortgage on your payslips. If you own more of the company, then you’ll need to provide the last 3 years accounts, and the bank will base your affordability on your average 3 year salary and dividends.

Banks might restrict the amount of bonus and dividend income that they will take into account, but this will vary from bank to bank.

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