Strategy for remortgage with LTD

gm0

Don't over think it.  And shop around.

I had this situation  - with a ltd and when I did it some of the underwriting was indeed looking at it with an overly strict and rule based lens

So looking at profits and income / dividends taken and applying "lesser of" rules to it varying over the prior years under the lens.  So higher profits going into retained profits was cut back in terms of loan potential by the under extraction of them in the years of interest.

Being over on one aspect or having significant buffered retained profits did not matter.  (It clearly reduces the actual credit risk of loss of income but it was not allowed for).  They just had a computer says no attitude.  x years back.  Lesser of under each heading - amount coming into the ltd and the amount taken out. 
Apply the allowed loan multiplier to the most restricted number.  Max loan is X. 

Lenders of course vary and some may be more welcoming to personal services ltds now.  And others - not.