Sterling Knight Commercial Mortgages

Sterling Knight have over 20 years experience in the commercial mortgage industry,  that's why
* Introduction
* Overview
* What We Need to Know
* Pros and Cons
* Repayments
* Types of Lender
* Getting a Quote
we are  specialists in the Commercial Mortgage field, and with our lenders have helped many commercial customers over the past 10 years.

Why do you need a commercial mortgage?
If you decide to buy property for your business, you will probably need a commercial mortgage. There are several types if commercial mortgage available , you can use our commercial mortgage guide to read in depth about to pros and cons and also payment terms of commercial mortgages, We also have an extensive mortgage glossary, designed to help you understand any words we may mention which you may need some help working out what they mean.

From the outset Sterling Knight have delivered a straight forward and simple business mortgage, providing term finance on properties including;

  • Farms
  • Pubs, restaurants
  • Shops, shops with living accommodation
  • Hotels, guest houses, holiday lets
  • Industrial units, factories, offices, warehouses

For borrowers looking to raise between 50k and 2m, our process is geared towards being simple, quick and flexible. Mortgage products are available with terms up to 30 years, generally up to 85% LTV (for transactions up to 500k) and have an option for self certification of income. It is important to distinguish that we provide a mortgage product and therefore the advance is made against the market value of the property, excluding goodwill and any fixtures or fittings.

We are able to lend up to 90% of purchase price for sitting tenants purchasing at a discount (subject to this not exceeding any  LTV restrictions on valuation) and 100% advances can be made with additional security (either residential or commercial property) from the borrower. The product is available at a margin of between 2% and 5.5% over Libor depending upon the LTV and status of the applicant. Early repayment charges apply.

The product can be used for any purpose by the applicant including;

  • New business start-ups
  • Business turnaround solutions
  • Short Term Finance and debt consolidation
  • Working Capital raising
  • Property improvement
  • Business expansion


  Commercial Mortgage   Adverse Commercial Mortgage  
  If you are a start-up or an existing commercial mortgage business , and you are looking for a commercial mortgage ,  please visit our standard commercial mortgage section.   If you have been refused a commercial mortgage or have had problems obtaining one, please visit our adverse Commercial Mortgage Section.  

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The overall cost for comparison is 10.53% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Early repayment charges apply. A broker fee of 1% may apply.  Your home may be repossessed if you do not keep up repayments on your mortgage.Our Financial Resources directory is available here