The issue around getting a mortgage using retained profits is that many high street banks and lenders want you to only borrow money based on money you’ve personally earned yourself, rather than your business.
And this is why so many company directors get turned down when they want to get a mortgage this way.
If this is the way you want to apply for a mortgage, a specialist mortgage broker will be a better option. They’ll be able to really get to know your current financial situation and find a suitable lender who will be willing to discuss your use of retained profits.