I am financing the property purchase through a mortgage loan. Do I need the Owner’s Loan?

You are still required to sign the Owner’s Loan document because it is separate from the mortgage loan.

The Owner’s Loan itself is drafted for an amount up to the purchase price and therefore it does not matter if you loan less overall or complete the purchase with the addition of mortgage lending. We will review how much is lent when we file end-of-year accounts for your company as part of your subscription fee.