Clear routes for complex and time-sensitive property finance
For UK property finance, Sterling assesses the requirement and approaches suitable specialist lenders. For Spanish property finance, Sterling acts solely as an introducer to an appropriate independent specialist provider.
Key points
Property and exit reviewed from the outset
Likely complications identified early
Established specialist contacts
Clear distinction between UK finance and Spain introductions
Careful case assessment
Provider Matching With Human Review
We assess the property, purpose, timing and likely complications before approaching potentially suitable UK lenders or, for Spanish enquiries, identifying an appropriate independent specialist provider. Every route is reviewed by an experienced member of the Sterling team.
Every potential route is reviewed by an experienced member of the Sterling team.
UK Property Finance & Spain Introductions
For Spanish property-finance enquiries, Sterling acts solely as an introducer to independent third-party providers. We do not provide lending, Spanish credit broking or financial advice.
Auction Bridging Finance
A funding assessment for auction purchases with a fixed contractual deadline and a supported exit plan.
Commercial Bridging
Case-led finance for commercial and mixed-use property purchases, refinancing and refurbishment.
Unmortgageable Property
Short-term finance assessment for investment or commercial property needing works or title resolution.
Development Exit Finance
Refinance development debt and create time for sales or a suitable longer-term funding route.
Case studies
Selected property-finance case studies handled by our team
These genuine, anonymised examples were handled by members of our team across UK Mortgage Finance and Sterling Bridging Finance. They include an agreement in principle, agreed terms, arranged facilities and a completed transaction.
Limited-company buy-to-letAgreement in principle
£1,912,500Seven-HMO company share purchase
Ben secured an agreement in principle for the purchase of a company holding seven HMO properties. Because the lender assessed the £2.5m underlying property value rather than only the £2.25m share purchase price, it could consider a higher advance against the purchase price. The agreed-in-principle amount was £1,912,500 at 6.79% at the time.
Commercial mortgage terms were agreed for the £2.25m purchase of a new-build drive-through restaurant investment involving a national fast-food operator. The agreed terms were for a £1,237,500 loan, representing 55% LTV, priced at Bank of England Base Rate plus 1.41% at the time.
£2.25m purchase price
55% LTV
Bank of England Base Rate plus 1.41% at the time
Broker: Andrew Jones
Commercial remortgageRemortgage arranged
£1,200,000Commercial property let to a charity
A £1,200,000 commercial remortgage was arranged against a property let to a charity. The facility was structured over a 25-year term with a specialist commercial lender.
A £1.4m private-bank refinance against an industrial property valued at £2.1m. More than £1m combined operating profit supported the case, and the structure released a residential property from the lender’s security.
Ben arranged an owner-occupier commercial mortgage against an industrial warehouse valued at £4.5m. The £2m loan completed in July at Bank Base Rate plus 1.51% at the time, with a 0% lender arrangement fee.
£4.5m property valuation
Bank Base Rate plus 1.51% at the time
0% lender arrangement fee
Broker: Ben Jones
These are historical, case-specific examples. An agreement in principle or agreed terms is not a completion. Rates and terms shown are not current offers or guarantees. Finance is subject to individual circumstances, valuation, underwriting, lender criteria and availability.
Use the calculator freely. You only need to enter contact details if you want the figures emailed or would like a tailored finance review.
United Kingdom calculations only.
For property finance in Spain, Sterling acts solely as an introducer to independent third-party providers. Spanish calculator figures are not supported; use the tailored finance form below and select Spain.
£
£
% of gross loan
Monthly interestNot calculated
Total interest over termNot calculated
Arrangement feeNot calculated
Total finance costNot calculated
Estimated balance at endNot calculated
Gross LTV: Not calculated
Rolled-up interest is added to the estimated balance at the end. Starting assumptions are 0.75% monthly interest and a 1% arrangement fee calculated on the gross loan; both are adjustable. This simple-interest calculation is indicative only, not a quote, offer or financial advice. It excludes valuation, legal and any other lender or third-party costs. Actual terms depend on the lender, property and circumstances.
Keep your figures or tell us moreNo form is required to use the calculator
Enter your name and email and we will send you a copy of the figures currently shown. Telephone is optional.
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Request a tailored finance review
Have a property or transaction in mind? Provide a few extra details and our team will review your requirements and contact you to discuss next steps. This is not a formal offer or guarantee of finance. Sterling does not handle regulated residential mortgage, regulated bridging or consumer buy-to-let enquiries.
We use your details to respond to your request and, for Spanish enquiries, to make an introduction only when you give the consent above. See our Privacy Policy.
How It Works
Step 1
Share the Requirement
Provide the property, funding purpose, amount, timing and intended repayment route.
Step 2
Initial Assessment
We identify likely complications and an appropriate UK lender or Spanish introduction route.
Step 3
Clear Next Steps
We explain the information and third-party steps needed to progress the selected route.
