The people, amounts, property and circumstances are invented to explain a borrowing brief. No lender, rate, approval, completion or client outcome is claimed.
- Loan requested
- £450,000
- Loan type
- Buy-to-let
- Property type
- Flat
- Illustrative price
- £600,000
- Contribution to price
- £150,000
- Illustrative loan-to-value
- 75.0%
The price contribution excludes taxes, fees, interest, works and other transaction costs. Those need a separate budget. The ratio illustrates arithmetic, not lending criteria or eligibility.
The borrower’s brief
A property company is considering a £600,000 leasehold rental flat with a proposed £450,000 mortgage. The £150,000 price deposit may come from the director or another company. The ownership and money-transfer arrangements have not yet been finalised.
The question behind the loan
The source, ownership and terms of the deposit matter separately from the property’s rental prospects. A director’s contribution and an inter-company loan require different explanations. Legal and tax advisers should confirm the structure and documentation; the mortgage brief should not assume that every proposed transfer is acceptable.
Information to bring together
- Company ownership, directors and who ultimately provides the deposit.
- The proposed loan or contribution documentation and any repayment obligations.
- Lease, service charges, expected rent and recurring property costs.
- The separate cash budget for taxes, professional fees and void periods.
Where the assessment goes next
Clarify the deposit route and proposed company obligations before relying on a financing plan. The property, rental figures and business structure still need individual assessment. The £450,000 figure is a request for discussion, not a confirmed buy-to-let facility.
Discuss your own circumstances
A similar loan amount or property type does not mean the same finance is available. Income, commitments, credit history, the property and current terms need an individual assessment. Tell Jack what you want to achieve and any part of the plan that remains uncertain.
Prepared for Jack Cousins, Head of Mortgages at Lockhart Murphy. Updated 10 November 2026.
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