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 3 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.