Product Parameters     Interest Rates and Fees     Commercial mortgage interest rates are quoted in various formats by different lenders within the market making it difficult to accurately compare rates from various lending institutions. Common practice is to use a base indicator in the form of a swap rate based on the term of the loan i.e. 90 Day Bank Bill Swap Rate. A risk margin is then added to the base indicator rate to provide the borrower with a final interest rate. Alternatively, interest rates may be advised as being quoted using the Lender's 'Cost of Funds' or 'Bill Rate' which will include Treasury Margin to compensate their Treasury Department for procuring the funds from the wholesale market. An applicable risk margin is then added to provide a final interest rate. Some lender may also charge a Line Fee in addition to any risk margin. A Line fee is charged on the facility Limit regardless of the outstanding loan balance. Hence it is very important when comparing rates that you are aware of the base indicator rate, applicable risk margin and of all the fees that may be levied on the loan i.e. Line Fee, Rollover Fee etc, to correctly assess the true cost of the loan. Commercial loans can be costly to establish as there is a number of professional services that are utilised during the approval process.     1. Solicitor     2. Finance Broker     3. Property Valuer     4. Quantity Surveyor