Mortgage and project finance fact find

Leave blank if you are borrowing in your own name.

Enter 0 if this is your first. It does not disqualify you.

By gross development value.

Recent schemes: what, where, cost, value on completion, and your role. If this is your first, tell us about the team around you instead — a good contractor and a project manager carry real weight.

Contractor, architect, quantity surveyor, project manager, structural engineer and solicitor. Note where an appointment is still to be made.

Full address including postcode.

Contamination, flood zone, protected trees, listed status, rights of way, ransom strips, asbestos, services to be brought in. Raising these now avoids a lender discovering them at valuation.

So we can look the decision up directly.

Outstanding pre-commencement conditions can stop a drawdown even where consent exists.

Enter 0 if none. These are real costs and lenders will want them in the appraisal.

Unit mix, sizes, specification, and what makes it saleable or lettable in that location.

Most lenders require a recognised warranty on new build.

Excluding professional fees and contingency.

Architect, QS, engineer, planning and building control.

Lenders expect 5 to 10% of build cost. A scheme with no contingency is a warning sign.

Duty, legal, agent, marketing, service connections.

Everything above, excluding finance costs.

Expected total value on completion. Say below how you arrived at it.

A priced tender or QS cost plan carries far more weight than a per-square-foot estimate, and will get you better terms.

The amount required at completion, typically to buy the site or repay existing borrowing.

Development lenders expect meaningful equity, commonly 10 to 30% of total cost.

To be repaid on completion. Enter 0 if none.

Mezzanine, investor equity, joint venture partners, grants. Note whether anyone else expects security.

If selling: expected sale period, agent appointed, pricing evidence. If retaining and refinancing: projected rent, yield, and which term lender you have in mind.

Pre-sales materially improve the terms available.

Be realistic. Underestimating the sales period is the most common cause of a development facility running into extension fees.

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.

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

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

Planning decision notice, drawings, QS cost plan, agent appraisal, schedule of works, CVs, previous scheme accounts. Listing what exists helps us shortlist accurately.

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