Long-Term Client Can’t Get a Mortgage

Let’s explore a classic case of tax efficiency clashing with real life. The client has followed the ‘salary to personal allowance, rest in dividends’ formula for years.

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Now they want a £400,000 mortgage—and can’t get one. 

That’s where goal-based planning changes the game.

1. Use the Goals feature to add: "Buy a house – £400k – in the next 24 months".
2. Switch to Scenario Planning and increase salary to reflect an appropriate salary
3. Model the difference in net pay, tax, and impact on benefits.
4. Share options with the client and open a discussion around priorities.

• When clients raise life goals like house purchases, cars, or private school fees
• When reviewing remuneration planning for long-term clients
• To prevent planning that undermines future aspirations