Commercial

Semi-commercial mortgages

Finance for mixed-use property, such as a shop, office or restaurant with residential flats above.

Semi-commercial mortgages

Lending that understands mixed-use property

Semi-commercial property combines commercial and residential space in one building. Many high street lenders will not lend on it, but a number of specialist lenders have strong appetite for well-let mixed-use assets.

We look at the split between the commercial and residential elements, the leases in place and the overall income, then match the case to lenders comfortable with that profile.

Retail shop interior with clothing rails and display tables

Typical semi-commercial property

Shop with flats above

The classic high street mixed-use investment.

Offices with residential

Commercial ground floor with apartments above.

Pubs and restaurants

With owner or staff accommodation.

Owner-occupied mixed use

Running a business downstairs and living or letting upstairs.

What lenders usually want to see

  • Income: rent from both the commercial and residential parts.
  • Leases: commercial lease terms and residential tenancy agreements.
  • Property split: the proportion of commercial and residential space.
  • Condition and location: the state of the building and its trading position.
  • Experience: your background as a landlord or business owner.

Talk to us about your project

Tell us about the property, the amount you need and your timescale. We will review the funding route, shape the exit strategy and package the case for suitable lenders.

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Important: All finance is subject to status, security, valuation and lender criteria. Terms and fees vary by lender.

Regulation: Most commercial mortgages and business finance are not regulated by the Financial Conduct Authority.

Warning: Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a loan secured on it.

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