• Industry Sector
• Loan to Value (LTV)
• Intended use of the money
• Property Value
• Applicants credit history
• Access and quality of supporting information

Each lender apply a different criteria to variations in commercial property type, and then determine the success of the application, and the interest rate they will lend at, on the history, experience and credit worthiness of the individual(s) applying for the loan.

Sometimes the self-certification lenders' criteria are significantly different from mainstream criteria, other times they are quite similar (with obvious differences).

Lending Criteria Differences

• Property Type and Age
• Property location
• Basis of the Valuation
• Maximum LTV's Available
• Applicants Industry Experience
• Lending Risk - individual, company, or credit history

What is constant... is that maximised LTVs, and the lowest interest rates, are offered to companies/individuals in desirable industry sectors, with the highest credit scores, solid company accounts, and well written business plans.