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
- £900,000
- Loan type
- Residential purchase
- Property type
- House
- Illustrative price
- £1,200,000
- Contribution to price
- £300,000
- 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 director is considering a £1.2 million family house with £300,000 of personal funds towards the price. The proposed borrowing is £900,000. The company is profitable, but the director draws a smaller combination of salary and dividends and wants to preserve working capital.
The question behind the loan
Company profit and personal disposable income are different figures. The brief needs the ownership structure, accounts, actual drawings, business obligations and the household budget. An accountant should explain any proposed extraction of money and its tax consequences rather than treating retained profit as an available deposit.
Information to bring together
- Shareholding, accounts and the pattern of salary and dividend payments.
- Material business debts, working-capital needs and changes in trading.
- Evidence that the £300,000 contribution is personal and available.
- Other household borrowing, dependants and the cash retained after purchase.
Where the assessment goes next
The assessment starts by making the different income and cash measures consistent. The next conversation could establish whether the price, deposit and repayment approach fit the evidence, or whether they need revising. No particular profit calculation or lender treatment is promised.
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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