Commercial mortgage fact find

Everything a commercial lender will ask for, gathered once. Fields marked required are the ones we cannot quote without; leave the rest blank if you do not have them to hand and we will fill the gaps together.

53 questions, 15 required

Leave anything you do not have to hand blank. We would rather have it partly complete than not at all.

A real adviser reviews it

Not an automated decision. Someone who places these cases reads it and calls you back.

No credit search yet

Nothing here triggers a search. We tell you before any lender runs one.

About you

Who we will be dealing with, and how to reach you.

First name

Last name

Email address

Phone number

Business or company nameOptional

Leave blank if you are borrowing in your own name.

Your positionOptional

Who is borrowing

The legal entity taking the loan. This drives which lenders can act and how the security is structured, so it is worth getting right early.

How will you hold the property?

Company registration numberOptional

If borrowing through a company or SPV.

Date incorporatedOptional

Years the business has tradedOptional

What does the business do?Optional

Directors, partners or shareholdersOptional

Full names, dates of birth and percentage shareholdings. Lenders credit-search everyone with a material stake.

The property

The security. If you are looking at more than one property, complete this for the main one and list the others at the end.

Property address

Full address including postcode. If you have not yet found a property, describe what you are looking for.

Property type

Tenure

Years remaining on the leaseOptional

Leasehold only. Under about 70 years starts to limit the lender panel.

Approximate floor area (sq ft)Optional

Approximate year builtOptional

Construction typeOptional

Flag anything non-standard — timber frame, concrete panel, thatch, cladding.

Current planning use classOptional

Condition and any works neededOptional

Lenders value on current condition. Known defects, outstanding repairs or planned refurbishment all matter.

Has the property been elected for VAT?Optional

Affects the cash you need on completion, so it is worth confirming with the seller.

The transaction

What you are trying to do and the figures behind it. Estimates are fine — mark them as estimates in the notes.

What are you doing?

Purchase price or current value

Loan amount required

Most commercial lenders start around £100,000 and lend to roughly 70% of value.

Deposit or equity you are contributingOptional

Where is that money coming from?Optional

Lenders must evidence the source of every pound going in.

Loan term required (years)Optional

Commercial terms typically run 5 to 25 years.

Repayment basisOptional

Rate preferenceOptional

Target completion dateOptional

If you are tied to a contract deadline, put that date here.

What is the funding for?

The commercial rationale. Lenders want to understand the transaction, not just its size.

Occupancy and rental income

Who occupies the property decides whether this is assessed on your trading accounts or on the rent roll.

How is the property occupied?

Total annual rent receivedOptional

Investment properties only. Gross rent before costs.

Number of tenantsOptional

Tenant and lease detailsOptional

For each tenant: name, rent, lease start and end, unexpired term, break clauses and any rent-free period. A copy of the leases will be needed later.

Void history over the last three yearsOptional

Periods where units stood empty, and why.

Business finances

How the loan gets serviced. Owner-occupied cases are underwritten on these figures, so approximate numbers now save a lender query later.

Latest annual turnoverOptional

Latest net profit before taxOptional

EBITDA, if you calculate itOptional

Current rent or mortgage paymentOptional

What the premises cost you today, so the change can be compared.

Do you have two years of filed accounts?Optional

Accountant's name and contactOptional

Lenders frequently go direct for management figures, with your permission.

Credit history and existing borrowing

How would you describe your credit history?

Adverse credit rarely stops a case outright. It does change which lenders will look at it, so it is far better raised now than discovered at underwriting.

Details of any adverse creditOptional

Dates, amounts, whether satisfied, and the circumstances behind it. Context genuinely helps.

Existing borrowing secured on propertyOptional

Lender, outstanding balance, monthly payment and any early repayment charge, for each facility.

Anything else

Other properties ownedOptional

Address, value, outstanding borrowing and rent for each. Relevant even where they are not part of this transaction.

Solicitor, if instructedOptional

Has any lender already declined this?Optional

It does not count against you. Knowing why saves us repeating the approach.

How quickly do you need this in place?

Best time to call youOptional

How did you hear about us?Optional

Anything else we should knowOptional

Unusual circumstances, a deadline, a lender who has already declined — anything that would change how we approach it.

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