If this sounds like you
I am worried about my home
Company insolvency does not automatically mean losing your home, but personal exposure needs careful review.
You may recognise this
- Your home may support company borrowing.
- You signed a personal guarantee.
- Director loan accounts or personal withdrawals may be relevant.
What to do now
- Establish what security and guarantees actually exist.
- Keep company and personal records separate.
- Obtain advice before transferring or refinancing assets.
What to avoid
- Assuming the worst before checking documents.
- Transferring ownership to defeat creditors.
- Using further secured borrowing without a viable plan.
Useful information to gather
Do not wait for everything to be perfect. Start with what is readily available.
- Mortgage and charge documents
- Guarantees and facility letters
- Director loan account records
Why timing matters
Earlier action can preserve time, information and choice. Waiting for certainty can allow cash, legal or creditor deadlines to decide the next step for you.
Would you like to talk about this?
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Related next steps
This page provides general information, not advice about your company or personal position. Formal deadlines may require immediate advice from a solicitor or licensed insolvency practitioner.