TSB remortgage income multiple for ltd company earnings

mandaruk

As TSB is not doing remortgage via brokers, i have decided to try going direct. As a Ltd company directors - We can present our income as combination of Salary + dividend or Salary + net profit. (as per documentation on their intermediaries site)

1> Any one knows if they take average of last 3 years or 2 years income (salary+dividends) to arrive at "income used for lending purposes"?

2> My net profit was less in first year as i had started company in middle of year - but it has grown in next 2 years. Net profit is obviously more than dividends figure as i have kept profits back in company rather than taking out as dividend.

Hence would like to know whats the best way to get maximum remortgage amount as we are also trying to take out cash while remortgaging.

Has any one done this with TSB recently.

Thanks in advance

Contemptuous

TSB will ask for your last 3 years SA302s to prove your income.