A company valuation is not personal borrowing capacity
Funding-round valuations, option grants and anticipated exits do not show spendable personal income. Separate salary, dividends, completed secondary share sales and proceeds still subject to conditions. If a share sale funds the deposit, establish what is actually received after costs and obligations. Explain any change in earnings after the sale.
Build your borrowing brief
- Ownership and vesting restrictions
- Personal income and company accounts where relevant
- Completed sale agreement and receipt trail
- Remaining capital commitments and any personal guarantees
A short outline is enough for the first conversation. Detailed financial records can follow through an agreed secure route.
A question worth resolving early
Can I borrow against the next funding round’s valuation?
Do not assume so. A valuation is not a completed sale or guaranteed cash receipt, and it does not establish mortgage affordability. The lender needs an acceptable basis for income, deposit and any repayment strategy.
Link to this answerJack reviews the borrowing objective and evidence, identifies the routes worth testing and explains the relevant costs and conditions. Your accountant, solicitor or investment adviser addresses their own specialist questions. A lender decision follows its assessment; an introductory conversation is not an offer.
See the detailed illustrative scenarios →Further reading: MoneyHelper: repayment and interest-only explained · Coutts: an example of private-bank mortgage assessment.
Criteria context checked 23 September 2026: Published lender criteria, including director income and interest-only repayment plans. This is an example of one lender’s policy, not a market-wide rule. Current criteria are confirmed for the proposed application.
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.
Link to this answerExplore 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.