Map each payment and each obligation
We separate recurring pay from distributions and potential future proceeds. Carried interest may have conditions and uncertain timing, while co-investment can create capital commitments. The evidence should identify amounts received, funds still restricted and any obligations that continue after the property purchase. An expected exit is not treated as a completed receipt.
Bring the wider commitments into the discussion
Personal borrowing, investment commitments and liquidity reserved for future calls can affect the practical budget. A mortgage review should sit alongside, rather than assume away, those obligations. Your tax and legal advisers remain responsible for structuring advice.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Employment or partnership remuneration evidence
- Distribution and carried-interest history
- Vesting, restriction or payment conditions
- Co-investment commitments and related borrowing
- Asset, liability and accessible-funds schedule
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Income acceptance, borrowing amount and term depend on the lender’s individual assessment. Future awards, distributions, business exits or asset growth are not guaranteed. Your home may be repossessed if you do not keep up repayments.
Your questions, answered
Can carried interest be considered?
It can be part of the discussion, with its receipt history and conditions. No lender acceptance or income treatment is assumed.
Do capital commitments need to be included?
Yes. Explain their timing, funding and any borrowing associated with them.
Explore the full HNW section →
Preparation guide reviewed 11 September 2026. General information; individual lender assessment is required. Further reading: MoneyHelper: buying a home and mortgages.