Before you start
Use the latest lender statement or facility schedule. Debt records should show current balance and terms, not only the original amount borrowed.
Detailed steps
Open the mortgage record or add a new mortgage
Start from the screen named in the step and confirm the portfolio in the top bar before you change anything. If the wrong portfolio is selected, switch portfolios first.
Select the linked asset field
Pick the option that matches the real-world record you are adding or reviewing. If two options look similar, use the one that matches the source document, not the one that makes totals look cleaner.
Choose the correct property from Assets
Pick the option that matches the real-world record you are adding or reviewing. If two options look similar, use the one that matches the source document, not the one that makes totals look cleaner.
Save and confirm the property and debt relationship appears correctly
Save only when the record reflects the source. After saving, the change can affect Net Worth, Capital Review, Forecast, exports and shared views.
Field guide
The amount currently owed.
Do not use credit limit or original principal.How interest can change.
Variable and tracker debt needs closer review.Regular cash outflow.
Use real payment frequency and amount.Asset financed or secured by the debt.
Link only when the relationship is real.Decision rules
What it adds
- Makes real estate leverage visible without subtracting debt manually from asset value.
- Improves Forecast and Capital Review debt analysis.
What it does not do
- Linking does not prove collateral or legal security.
- The property value and mortgage balance remain separate records.
Common mistakes
What to check
- Do not link a personal loan unless it is genuinely tied to the asset.
- Check currency mismatch between property and debt.
Entering a clean-looking value without recording where it came from.
Ignoring currency, ownership percentage or valuation date because the total appears reasonable.
Using ordinary notes for private access information.
Assuming Link a Mortgage to a Property produces advice, verification or execution beyond the workflow described here.
After you save
- Return to Net Worth and confirm totals changed as expected.
- Open Capital Review to see whether the record created, resolved or changed any review item.
- Check whether the record should affect Forecast, Investment Plan, exports or share links.
- Revisit this intermediate guide when source evidence changes.