What type of security will be needed?

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What factors determine Suitability?

There are four main factors that will be used to determine if your proposal is suitability.These factors are, the needs of your business, the type and the quality of the property which you have offered as security to the lender, the status of the person who is applying for the loan, and finally the your businesses ability to service the mortgage.

To determine the needs of your business you have to know why your business needs to raise the funds. Once you have assessed this, you can look at the various types of commercial finance, and decide which suits your requirement.Factors such as cost, the term, and the type of financet. The interest rate, will vary from mortgage lender to lender and will also be dependant upon your risk factor. The term of the mortgage, will be based on your assessment of the how long you require the funding .You will need to forecast a cashflow statement. by matching future revenues with future costs.As with conventional residential mortgages the mortgage lender will be interested in the security being offered . if it is a property that you will be offering as security for the commercial mortgage., then the lender will take into consideration factors such as the age, the type, the condition of the property, the tenure, planning permissions, location, business issues, and alternative uses for the property or asset. The lender will also make sure that there will be nothing stopping them from selling the property if you fail to make payments as agreed.Factors such as your age, your financial status (credit rating), the history of the business and also forecasts are relevant ,they will consider your ability to run a successful business,and your affordabilty of the finance.The businesses ability to service the mortgage will be assessed using the following factors, the profitability of the business, the cash flows of the business, the business sector that your business operates in and finally other assets and liabilities of the business.

Commercial Mortgages Frequently Asked Questions

Types of Commercial mortgage ?	Is Renting better than Buying?
What Fees are Payable ?	Are they Regulated by the FSA?
What is the minimum deposit ?	What information do I need to supply,?
What factors determine Suitability?	How do the lenders assess me?
Can I get a Loan guarantee Scheme ?	What is the process of a mortgage, ?

Mortgage Help Desk UK Mortgage Products

"Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage "

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