The "Director’s Dilemma" and the Mortgage Trap
Why using twice-taxed dividends to pay down your personal home is pure corporate inefficiency.
TL;DR: The market assumes that using dividends to aggressively pay off your personal mortgage is the pinnacle of safety. The actual unit economics show that company directors doing this are volunteering up to 25% of their company’s cash flow directly to HMRC before it ever touches their mortgage.
