Valuation for loan/mortgage security
Estimate the collateral risk of a loan for a property project
Property financing and refinancing require a thorough analysis of the risks borne by the lending institution. Our aim is to provide you with a broad and comprehensive picture of property risks, to help you take the right decisions with complete peace of mind.
Your challenges
To secure finance for your property assets
To ensure a maximum return on investment and minimum risk when assembling a financing package, it is essential to fully understand your needs in relation to:
- Availability of financing for a property project
- Assessing the financial risks attached to a property project
- Determining the covenant ratios, and especially the loan to value (LTV) or interest-covered ratio (ICR)
- Regularly updating value changes to remain in step with your ratios and covenants
- Meeting the lending institution's requirements
Our services
Estimating the value of assets used as collateral
To help you take the right decisions, we are able to:
- Analyse the market, the positioning of a property on its market and changes in sector-related risks
- Assess the property’s condition
- Examine legal and regulatory factors
- Assess the rental income generated by the building by evaluating the financial impact of those factors likely to influence it (vacant periods, bankruptcy, etc.)
- Assess the liquidity of the property on the market in the event of either a fair market sale or a forced sale
The benefits to you
Appreciation of the financial risks attached to your property project
Get a clear picture of the potential risks attached to a property project, delivering you:
- An analysis based on market reality, through in-depth, up-to-date knowledge of sector benchmarks both in terms of property values and the income generated by properties.
- Decision support in assessing the quality of a financing package
- A fair value of the hedged risk
- A sound basis for estimating the minimum value of a property in the event of either a fair market sale or a forced sale
- An acknowledged methodology through our experience with the main banks and lenders