Distinguish company value from personal resources
A funding-round valuation does not show cash available for a home purchase or monthly repayments. We review salary, dividends, ownership, accounts and any completed share sale separately. Company funds and personal funds should be clearly identified. Where income has been intentionally retained in a growing business, the evidence needs to explain the actual position without assuming that every asset can be used.
If a liquidity event is part of the plan
Show whether a sale has completed, whether proceeds are restricted and what obligations attach to them. Uncompleted transactions and projected business growth should not be presented as certain deposit funds or repayments.
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
- Company ownership and current accounts
- Salary, dividend and tax evidence
- Completed share-sale documents where relevant
- Personal deposit and accessible-funds trail
- Business and personal liabilities
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
Does my company valuation count as mortgage income?
No automatic equivalence should be assumed. Ownership value, accessible funds and personal income are different parts of the assessment.
Can a completed share sale help with the deposit?
Provide the sale documents and receipt trail, including any restrictions or continuing obligations.
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Preparation guide reviewed 11 September 2026. General information; individual lender assessment is required. Further reading: MoneyHelper: buying a home and mortgages.