5 illustrative situations for mortgages for technology founders, with preparation questions and considerations. These are not actual client cases or promised outcomes.
These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
A founder holds valuable shares but takes limited pay. The review separates business valuation from evidenced personal affordability.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A founder has sold part of a holding. Sale documents and the receipt trail help establish the funds actually available.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A founder plans a purchase while fundraising is unfinished. The enquiry avoids relying on a transaction that may not complete.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A founder has reduced dividends to retain funds in the business. The accounts and current personal budget need to explain the change.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A founder wants a property with substantial workspace. Intended use, title and lender acceptance need consideration alongside the income.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
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.