Every mortgage request is reviewed as a complete lending scenario. We assess the borrower’s identity and ownership structure, credit profile, income and employment or business documentation, assets, liabilities, existing mortgages, payment history, source of down payment or equity, property type and value, appraisal where required, title and taxes, requested amount, loan-to-value ratio, term, use of proceeds, timing, legal requirements, and the proposed exit or repayment strategy.
For private or bridge financing, the exit strategy is central. We only present transactions where the route out of the loan is realistic and supported by the facts of the file.