Property Finance FAQs

FAQs in Property Finance

• What security do you take?

  Capitalflow relies on the following security items, First legal charge over the secured asset, a debenture over the assets of the Borrower, an assignment of the rents together with other security as a proposal merits

• Do you require a valuation on the secured property?

  Yes, it is a standard condition on all our loans, we require a Red book valuation addressed to Capitalflow, from one of our panel Valuers

• How do I apply for a mortgage?

  Call us, contact us by webchat or drop us a line and we would be delighted to help you in every way we can!

• What is your maximum loan term?

  The maximum loan term available is up to 7 years

• What is your interest rate?

  Our rates vary, depending on the property type, the Loan-to-value (LTV) and the rental income from the property

• Do you finance refurbishment works?

  Yes, we provide finance for refurbishment programmes.

• Can I get a mortgage, if I have a less than perfect credit history?

  We look at each application on an individual basis. We apply a common sense approach to assessing an application. You can speak with one of our experienced Relationship Managers, who will advise you further.

• What type of Properties do you lend against?

  Commercial property purchased for letting purposes. This includes residential investments, Industrial, retail shops, offices, mixed use investments and the hospitality sector including hotels and pubs.

• What is your minimum loan amount?

  The minimum loan amount we lend is €250,000

• What is the maximum amount you can lend?

  We lend up to 75% of the purchase price or value of the property (based on a red book valuation).