The commercial mortgage market is characterised by complexities not present in the Residential markets. The market in general does not feature the dynamic and highly competitive price points seen in the domestic market; however there are increasing numbers of lenders offering tranches of fixed rate money for small and medium sized loans.
Unlike the tick box and simple calculation approach employed in the domestic market to make lending decisions, the commercial market is based around complex pricing models and the verdict of lending panels at each individual institution.

Adviser Finance works closely with your business to ensure all the paperwork, forms and due diligence are satisfactorily completed and made available to the best lenders in the market place.
Borrowers should also be aware that the structure of commercial mortgages differ greatly from residential mortgages:
some institutions will charge a lender fee. Sometimes up to 1% of the value of the loan. a more expense property evaluation will be required given the nature of the of the complexities and covenants on many commercial properties.