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Financing advice for shared-property projects — Mortgage adviser — Professionals
Establish the proposed borrower, representative mandate and project before assessing options. Distinguish a shared-property financing enquiry from an individual mortgage and verify the relevant professional scope.
Service scope
Assessment of financing options for a defined shared-property project and an identified proposed borrower. The adviser establishes the borrower, representative authority, project, lender requirements and whether the task is specialist financing advice rather than a standard individual mortgage.
What is normally included
- Define the borrower and project-financing brief
- Assess agreed financing options within professional scope
- Coordinate specified lender information and adviser handovers
What is not included
- No universal borrower eligibility or approval guarantee
- Assuming a manager can borrow for all owners
- Universal collective-loan eligibility
- Unauthorised pledging of property or funds
Qualification checks
- Confirm the borrower and representative
- Confirm the project and jurisdiction
- Confirm the financing purpose and professional role
- Check whether the borrower and project fit the adviser's verified professional scope
- Confirm who supplies project figures and that lender decisions are not represented as guaranteed
Quote guidance
State the advisory or application-support fee and included outputs. Separate lender charges and other professional costs; do not represent the advice fee as a funding approval.
Lead risks
- Borrower authority or lender requirements may change the work needed
- Financing availability and terms cannot be guaranteed by an advice engagement
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