Service 04
Mortgage Loans
Loan against residential, commercial and industrial property with valuation support and documentation handled end to end.
Who this is for
Promoters funding business needs against owned property, and borrowers consolidating costlier debt.
What we deliver on this mandate
- Title and valuation review before the application
- Structuring so the LAP repayment matches business cash flow
- End-use documentation, which lenders now examine closely on LAP
- Coordination through legal and technical clearance
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on mortgage loans
How much can be raised against a property?
It depends on property type, location, tenancy, title and your repayment capacity — an industrial shed and a self-occupied flat are not treated alike. We establish the realistic figure at assessment stage rather than after a valuation disappoints.
Does the bank care what I use a LAP for?
Yes. End-use is scrutinised on mortgage loans, and vague purposes get files declined. Documenting the use properly is part of the work we do.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.