Financing business premises: what should I check before a commercial mortgage?
What would you like help with?
Detailed explanation, checklist and sources
Prepare property details, business records and loan terms together. A commercial mortgage uses property as security. This checklist calculates no borrowing capacity and is neither an offer nor an application.
On this page
1. Identify purpose and use
Record purchase, renovation or refinancing, the owner and borrower. Distinguish own business use, letting and mixed residential use. A self-employed person’s home mortgage is a different route. Check whether the intended business activity is allowed at the location.
2. Collect business records
Ask the prospective lender for its required documents: business plan, KVK details, accounts, current figures and forecasts, existing debts, valuation and purchase terms. Turnover or a fixed list alone proves no creditworthiness. Send sensitive records only through a verified channel to the chosen party.
3. List all costs
Compare price, works and incidental costs with own funds and funding need. Include valuation, notary, taxes, maintenance and insurance. Assume neither full funding nor a fixed equity percentage. Ask the lender to assess payments and cash headroom with lower revenue; a residential calculator is no commercial credit assessment.
4. Read term and security
Compare interest, fees, repayment schedule, fixed-rate period and loan maturity separately. A repayment schedule longer than the loan may leave a final balance; refinancing is not guaranteed. Ask about mortgage rights, other security, personal guarantees and default consequences before signing.
5. Check tax treatment
Have legal form, ownership and actual use assessed for tax. Business property does not automatically follow owner-occupied home rules. Check VAT, transfer tax and accounting treatment; mixed use and exceptions need separate review. Do not automatically deduct the purchase price immediately as an expense.
6. Record questions and next steps
Compare written offers on identical assumptions and record missing information. Check purchase and financing deadlines and whether a finance condition was agreed. Discuss funding with your selected lender or expert. Our help request concerns legal terms or security; it does not arrange credit, submit applications or promise an affiliated adviser.
Does this preparation tell me how much my business can borrow?
No. The lender must assess the business, property, security and terms. This checklist prepares documents and questions, not a loan amount or approval.
Documents to prepare
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Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
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Purpose, use, owner and borrower
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Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
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0 / 6 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
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Clear entries
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- Purpose, use, owner and borrower
- Business plan, accounts and debts
- Property records and permitted activity
- Own funds and purchase/running costs
- Repayment, final balance and security
- Offers, tax questions and deadlines
Contact with a lawyer
You can use the chat and information without a phone number. A contact request requires a phone number, a verified email address and your wish for telephone contact. Our team assesses which partner fits your question. Data is shared only under the stated consent procedure. A partner or engagement is not guaranteed.
View the current application processSources
Need personal assistance? Request a lawyer through our chat. We explain the next step; submitting a request does not engage a lawyer. The links below support the legal information.
KVK · Zakelijke hypotheek ↗Ondernemersplein · Bedrijfspand ↗Belastingdienst · Bedrijfspand ↗Ondernemersplein · Vergunningen ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.