This is something I also got affected by in the UK in the last couple of months. I've been the director and working part-time for my own company for 13 years,

This is something I also got affected by in the UK in the last couple of months. I've been the director and working part-time for my own company for 13 years, but switched to working full-time for my company in 2012. I'm effectively a freelancer but under a limited company. Different lenders have different rules. One lender turned me down because my company showed a tiny loss (strategic to reduce my corporation tax bill and contribute to my pension instead). The company doesn't owe anyone any money, it's just how it's accounted for by my accountant. Fortunately for me, another lender only looked at my personal income, but that did mean we needed to find extra capital. Bottom line is, if you're a director of a company, the company accounts have to show history and be squeaky clean. If you're an employee of another company, you just need 1 months payslip if I recall. Crazy!