Overview

• Client: Scaling business owner
• Property Value: £875,000
• Loan Amount: £743,750
• Loan-to-Value: 85%

The Situation

Our client was in the process of growing their business while also looking to purchase a new home.

A key priority was securing the required mortgage amount while keeping monthly payments as low as possible, ensuring sufficient capital could remain in the business to support its ongoing growth.

The Challenge

Balancing personal borrowing with business ambitions required a tailored approach.

Traditional affordability assessments can limit borrowing for business owners, particularly during periods of rapid growth, making it essential to present the client’s income position clearly and effectively.

Our Approach

We worked closely with the client and their accountant to fully understand the structure and trajectory of the business.

By identifying a lender that could assess both salary and net profit, we were able to maximise borrowing potential. In addition, we recommended a part-and-part mortgage – combining interest-only and capital repayment – to help reduce initial monthly payments.

To strengthen the application, we collaborated with the accountant to provide detailed financials and context around the company’s growth, ensuring the lender was confident in its sustainability.

The Outcome

We successfully secured the required mortgage for the property purchase, alongside a bespoke repayment structure aligned with the client’s wider financial goals.

This allowed the client to move forward with their home purchase while maintaining the flexibility needed to continue investing in their business.

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