What documents do I need before applying?
You typically need ID, proof of address, income evidence, bank statements, tenancy agreements (if relevant) and credit reports, along with any required business documents.
How do lenders assess rent coverage?
They consider projected rental income, comparable local rents, stress-test interest rates and property management costs.
Can businesses finance commercial premises?
Yes. Many lenders support trading premises, provided accounts and cash flow demonstrate affordability.
Why do complex buildings require specialist lenders?
Properties like mixed-use buildings, multi-unit blocks or sites requiring renovation carry higher risk and need expert underwriting.
How-To Guide
Step 1 — Seek Regulated Advice
Speak to a qualified adviser for tailored analysis of income, liabilities and property plans.
Step 2 — Apply Through an Adviser
Your adviser prepares documentation, liaises with lenders, manages queries and tracks progress.
Step 3 — Prepare Key Documents
Gather ID, address proof, bank statements, credit reports, tenancy agreements and business accounts.
