Define property & use
My business · Commercial Property Command Centre
Take a commercial property case from idea to completion.
Organise the property, deposit/equity, supporting cash flow, transaction costs and evidence before comparing live commercial mortgage routes.
Start with the numbers or the funding structure
Next best action
Build the property evidence pack
You have marked 0 of 6 readiness items ready. Organise the property, deposit/equity and supporting cash-flow evidence first.
2 · Property readiness
Mark what is organised. No document upload.
The checklist changes depending on whether the property is owner-occupied or an investment.
Purchase / refinance cost budget
Keep costs separate from the mortgage.
Enter known estimates rather than relying on a generic commercial-property tax assumption.
What to review
Turn the property into a lender-ready case
70.0% illustrative LTV
Commercial appetite varies by property, use, borrower and sector. Treat LTV as a planning input, not an eligibility result.
£150,000 entered cash requirement
This is deposit plus the transaction-cost budget you entered. Taxes and costs need case-specific confirmation before exchange/completion.
4.5% of average monthly turnover
Turnover is not profit or debt-service capacity, so accounts and cash flow still need proper assessment.
3–4 · Compare the lending route
The property and borrower need to be assessed together.
Property type & marketability
Use, construction, location, mixed-use elements, environmental issues and alternative demand can affect valuation and lender appetite.
Trading cash flow
Accounts, management figures, existing debt and business resilience support the property borrowing.
Term, repayment basis & security
Compare total cost, amortisation, interest-only implications, fees, covenants and security—not only the initial rate.
5–6 · Application tracker
Keep the live property case visible.
Record a harmless reference only. Do not store passwords, bank-login information or authentication codes.
Define the property and use
Property type, business occupation or tenancy and mixed-use elements can materially change the route.
Evidence deposit or equity
Show where purchase cash comes from, or obtain current balance and realistic value for refinance.
Prepare supporting cash flow
Use business financials for owner-occupied cases and lease/tenant evidence for investments.
Budget the whole transaction
Valuation, legal work, fees and property taxes sit outside the mortgage illustration.
Ready for a commercial-property sense-check?
Commercial lender selection is highly case-specific. A specialist can compare live routes once the property and supporting figures are organised.