Residential property
Consider ownership, existing financing and the purpose of the requested funds.
Property Financing
Explore whether property can support your financing requirement.
Property can form part of a financing structure, but the practical route depends on ownership, valuation, existing debt, purpose and repayment considerations.
THE BROKERAGE ADVISORYSituation
first.
first.
Business financing · Trade · Property · Project · Construction & Engineering
Common situations
What kind of property-financing question are you trying to answer?
Property-backed financing means a property forms part of the security for a financing facility. Whether that is appropriate depends on ownership, existing debt, the purpose of the funds and the relevant financier's assessment. The property itself is only one part of the financing picture.
Commercial property
Consider the asset, existing debt, ownership structure and the business requirement behind the financing.
Industrial property
Consider valuation, existing obligations and how the property fits the broader repayment picture.
Shophouse financing
Consider the ownership, use, existing debt and financing purpose together.
What needs assessing
Property value does not answer the whole financing question.
A practical assessment considers the asset alongside the borrower, existing obligations and the proposed use of funds.
- 01
Ownership
Who owns the property and how is that ownership structured?
- 02
Valuation
What is the relevant property value and what valuation information is available?
- 03
Existing debt
What financing already sits against the property or business?
- 04
Repayment logic
How would the proposed financing be serviced and repaid in the context of the business or asset?
Next step
Start with the asset and the reason for financing.
A useful first conversation establishes what the property is, what is already secured against it and what the financing is intended to achieve.
- 01
Describe the property
Property type, ownership and the relevant context.
- 02
Describe the requirement
Purpose, amount sought and timing, without assuming a facility or lender.
Business financing situations → - 03
Bring the relevant information
Existing facility information and property/financial documents that bear on the question.
What information to prepare →
Start with the situation
Have a property-backed financing question?
Speak with the advisory team about the asset, existing structure and financing purpose before deciding on a route.