Looking for a commercial mortgage?

If you’re seeking a commercial mortgage to finance the purchase of a property for commercial purposes, such as office buildings, retail spaces, or industrial warehouses, our mortgage gurus can do that too following the steps outlined below.

• Business Assessment

  We’ll evaluate your business to determine its financial stability, creditworthiness, and ability to repay the loan and work with lenders to to review your financial statements, business plans, and projections to assess risk.

• Property evaluation

  The property intended for purchase undergoes a thorough assessment, including valuation and inspection to determine its market value and suitability as collateral for the loan.

• Mortgage comparison

  Less Stress® Mortgages will go to market to obtain several options from selected lenders. We’ll compare commercial mortgage products from various lenders, considering factors like interest rates, loan terms, fees, and eligibility criteria.

• Application submission

  Once we’ve found you a suitable lender and mortgage product, we will submit a comprehensive application, providing detailed financial information, business documentation, and property details.

• Underwriting process

  We’ll help you conduct due diligence, analysing your financials, credit history, and property valuation. This process may involve site visits, environmental assessments, and legal reviews.

• Mortgage offer

  We’ll keep you in the loop and let you know as soon as the lender issues a mortgage offer outlining the terms and conditions, including loan amount, interest rate, repayment schedule, and any required guarantees or covenants.

• Legal process

  Our legal professionals will review the mortgage offer, conduct property searches, and prepare documentation for the transaction, ensuring compliance with regulations.

• Closing

  Upon acceptance of the mortgage offer and completion of legal formalities, the mortgage funds are disbursed, and the property purchase is finalised, enabling you to acquire and utilise the commercial property so you can get working.