How to secure a commercial mortgage
Original Article Summary
Advising on the hurdles to avoid, Mark Kozo, commercial director at Approved Business Finance, shares advice on how to de-risk applications to put businesses in the strongest possible position to secure a commercial mortgage. The Green Refinance Gap In 2026, a property’s Energy Performance Certificate (EPC) is an important factor that lenders consider when reviewing a […] The post How to secure a commercial mortgage appeared first on PropertyWire.
PropMatch Curated Analysis
Commercial mortgage lending in 2026 requires stronger preparation focusing on EPC compliance, DSCR ratios of 1.25x-1.5x, and sophisticated risk management including interest rate hedging. Lenders increasingly evaluate operator quality alongside asset quality.
Investor Relevance
Residential investors seeking commercial mortgages or mixed-use properties will benefit from understanding current lending criteria, particularly EPC requirements, DSCR expectations, and the value of demonstrating operational experience to secure better terms.
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