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Financing advice for shared-property projects — Mortgage adviser
Describe the shared-property project, the proposed borrower and your representative role. Provide the funding objective, project stage and jurisdictions involved. Ask for an explicit financing-advice scope rather than assuming a collective property project is an ordinary personal mortgage.
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
Typical tasks
- Define the borrower and project-financing brief
- Assess agreed financing options within professional scope
- Coordinate specified lender information and adviser handovers
- Identify the project documents needed for the agreed financing enquiry
- Record assumptions and unresolved lender requirements in the option comparison
What to include in your brief
- Borrower and representative
- Project and jurisdiction
- Financing purpose and professional role
- Project cost outline, proposed timing and available supporting documents
- Existing borrowing or funding commitments relevant to the enquiry
Choosing the right professional
Choose an adviser experienced with the actual borrower and project. Confirm which advice, introductions or application support are included, without assuming borrowing eligibility or approval.
Important considerations
- 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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