Overview

• Client: Successful business owner
• Property Value: £2,600,000
• Loan Amount: £1,150,000
• Loan-to-Value: 44%

The Situation

Our client, a successful business owner, was looking to purchase her dream home using income generated from her businesses.

It was important to structure the mortgage in a way that aligned with her wider financial planning, particularly keeping her personal tax position as efficient as possible.

The Challenge

Based on the salary and dividends she was drawing, the client initially fell approximately £700,000 short of the borrowing required.

At this stage, it appeared the purchase may not be achievable using conventional lending approaches.

Our Approach

We took a more strategic view of the client’s income and overall financial position.

By identifying lenders who could assess affordability using a combination of salary and net company profits, we were able to significantly increase borrowing potential. We also sourced lenders comfortable with a gifted deposit from a non-family member, as well as offering interest-only options to support overall affordability.

Working closely with the client’s accountant, we ensured the most recent set of accounts – reflecting a stronger trading year – were finalised and submitted, strengthening the application further.

The Outcome

We successfully secured the mortgage required, enabling the client to proceed with the purchase of her dream home.

Crucially, this was achieved without compromising her tax efficiency, allowing her to maintain a structure that supports both her personal and business finances.

Need advice on a mortgage? Get in touch to discuss your options.