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Guide

Commercial Mortgage Criteria Explained

Commercial mortgage criteria can vary by lender, property type and borrower circumstances. This guide outlines common areas lenders may review.

Important information.

Commercial finance is subject to status, lender criteria, affordability, valuation and underwriting. Security may be required and your property may be at risk if you do not keep up repayments on a mortgage or other loan secured against it. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

Property and security

  • Type and use of property
  • Location and condition
  • Valuation and marketability
  • Lease terms for investment property
  • Environmental or planning considerations

Borrower and affordability

  • Trading accounts or rental income
  • Bank statements and cash flow
  • Credit profile
  • Deposit or equity contribution
  • Existing borrowing commitments

Transaction structure

  • Loan purpose
  • Term and repayment type
  • Interest servicing route
  • Legal ownership or SPV structure
  • Exit route where relevant

Speak to AP Commercial Finance

Use this guide as a starting point, then discuss your specific circumstances with a specialist.

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