Application Process

We assist our clients throughout the underwriting process from enquiry to completion.

One of our experienced Commercial Mortgage Consultants will undertake the following on your behalf:

  • Preparation of a fact find on your business and requirements for presentation to lenders. A site visit may or may not be necessary, depending upon the individual circumstances.
  • Identification and initial discussions with suitable lenders applicable to your business sector and requirements.
  • Continual monitoring of your case throughout the process.
  • A review of the terms offered by the lenders.
  • Assistance/presence at meetings with lenders to further assist in the ‘negotiation’ process until an acceptable formal ‘offer of facilities’ is made.

The financial information that we will need to support a mortgage application is as follows:

  • Last 2 years Audited Accounts
  • Latest Management Figures
  • Profit & Loss Forecast for next 12 months
  • Last 6 months business bank statements
  • Brief CV/profiles of partners/directors
  • Asset/liability statements of applicants

Sterling Capital Reserve deal with a wide and varied panel of UK lenders in order to give clients the best possible choice, and to secure the best possible terms in today’s complex and ever changing environment.

Other areas that we are also actively involved in arranging funding packages for, secured against commercial properties are:

Bridging Loans – status and non-status commercial mortgages

‘Development’ loans for property developers.

© 2012 : Sterling Capital Reserve Ltd

Sterling Capital Reserve Ltd
Sterling House, 10 Wheatcroft Business Park, Landmere Lane, Edwalton, Nottingham NG12 4DG
Tel: 0115 984 9800 Fax: 0115 921 5550

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ANY PROPERTY USED AS SECURITY, INCLUDING YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
EARLY REPAYMENT CHARGES APPLY. A BROKER FEE MAY APPLY.

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