Property Lending Services

Empowering Lenders with Clarity, Confidence & Control

At Intersurv, we understand the unique challenges faced by lenders, underwriters, and credit risk professionals when it comes to property-backed finance.

Every funding decision must balance commercial opportunity with regulatory compliance, operational risk, and asset protection.



Our Property Lending Services are purpose-built to support this balance. We partner with banks, insurers, institutional lenders, and credit officers to provide independent, market-informed, and policy-compliant advice—from the first application through to post-completion monitoring and provisioning.

We don’t just advise. We help you build internal resilience, benchmark lending frameworks, and improve credit outcomes through training, data analytics, and quality control systems.

Global banks often rely on policy templates that don’t fully reflect regional differences in construction, regulation, or valuation practice. At Intersurv, we work with lenders to design and refine bespoke lending policies that are:

• Aligned with global best practice (RICS Red Book standards)
  
• Adapted to local real estate and construction conditions
  
• Clear, implementable, and auditable
  
• Practical for underwriters, credit officers, and relationship managers
  
  

We support internal teams by authoring, testing, and refining valuation and funding policies that align risk appetite with operational capability.

Good lending decisions depend on well-trained teams. Our in-house training workshops and development programmes help banks and insurers:

• Understand valuation methodologies and risk flags
  
• Interpret and challenge construction cost reports
  
• Apply proper instructions for valuation professionals
  
• Review reports with confidence and clarity
  
• Enhance due diligence at application and monitoring stages
  
  

Delivered both in person and remotely, our sessions are tailored to regional markets and organisational goals—empowering your people with the skills they need to reduce reliance on external parties.

A single poorly reviewed report can expose your organisation to significant risk. That’s why we offer independent peer review services for valuations and monitoring reports—adding an extra layer of quality assurance, accountability, and compliance.

We provide:



• Objective review of incoming reports
  
• Structured commentary on assumptions, scope, and conclusions
  
• Risk summaries for credit committees
  
• Reporting aligned with internal governance frameworks
  
• Portfolio sampling and audit preparation
  
  

Whether you’re reviewing new lending applications or auditing legacy exposures, our peer review model ensures that inconsistencies and inaccuracies are caught—before they impact your bottom line.

 Let’s Support Your Lending Strategy

Whether you’re launching a development, financing a resort, insuring an asset, or salvaging a distressed property—we can help.

Managing a panel of valuation consultants across different markets can be complex and time-consuming. We streamline this by providing:

Organisation-wide panel management systems

• Clear service-level expectations
  
• Monitoring of report quality, timeliness, and format
  
• Identification and management of underperformance
  
• Consistency in output across your markets
  
  

We act as your eyes and ears across the region, helping you manage external consultants effectively—reducing variance and improving the reliability of third-party reporting.

Intersurv continuously harvests cost, value, and development trend data from across our consultancy network. We transform this into actionable insights that support:

• Lending appetite decisions
  
• Sectoral exposure analysis
  
• Geographic portfolio reviews
  
• Underwriting model updates
  
• Insurance provisioning strategy
  
  

Our data isn't theoretical—it comes directly from live projects, valuations, and construction sites. That means it reflects what’s actually happening, not just what the reports say.

• Loss forecasting
  
• Exposure quantification
  
• Recovery scenario planning
  
• Valuation of distressed or incomplete developments
  
• Strategy alignment for work-out or disposal
  

• Barbados
  
• The Bahamas
  
• Turks & Caicos
  
• St Lucia
  
• Aruba
  
• Antigua
  
• St Maarten
  
• Curaçao
  

• Commercial banks
  
• Development finance institutions
  
• Mortgage and insurance provider
  
• Credit risk departments
  
• Real estate lenders and private equity
  
• Receivers and insolvency professionals