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What is the typical loan to value ratio (LTV)?

Commercial mortgage loan to value is typically up to 75% without requiring additional security, however, you can get loan to values of up to 100% if you do have additional security available in the form of other property that the additional value can be secured against.

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What is the sum of 4 and 3?

I just wanted you to know that the experience with Charelston has been utterly professional and competent in every aspect of this transaction. The solicitor I instructed was not good at all and I would have walked away from this deal a long time ago had Andrew not consistently calmed me down and gone the extra mile to find solutions to any stumbling blocks that came up. I have been particularly impressed by his balance of never pestering but always remaining attentive and responsive when required. I was a director of a FTSE financial services firm for 12 year so know about the importance of customer service and the thing I notice most in the industry is how rare decent service actually is. Well done to you on employing, training and motivating staff of Andrew’s calibre, I would certainly use you again in the future.