How LAP is evaluated
The lender assesses both your repayment capacity and the legal and technical acceptability of the property. The eligible amount is not simply the market value of the property.
Key considerations
- Stable and demonstrable income or business cash flow
- Credit history and existing obligations
- Property ownership, title chain and approvals
- Independent property valuation and applicable loan-to-value policy
- End use of funds and supporting information
Understand the responsibility
The property is provided as security. Missed repayments can have serious consequences, including enforcement by the lender as permitted by law. Choose an affordable structure and review all terms before signing.
Documentation support
We help organise financial and property papers, identify obvious gaps and coordinate queries. Legal and technical acceptance remains entirely with the lender and its appointed experts.