01 / FINANCE
Buy a mixed-use property
From your first shop and flat to the next addition to your portfolio. Understand what a lender needs to see.
Explore purchase financeSemi-commercial property finance
Mixed-use property.
A clearer path
to finance.
Semi-commercial mortgages for property with more than one purpose. Make sense of your options and take your next step with clarity.
An initial conversation. No obligation to proceed.
We deal with non-regulated finance only. Regulated requirements are referred to an FCA-regulated counterparty.
COMMERCIAL + RESIDENTIALOne property. More possibilities.Finance built around the whole picture.
01 /Purchase & remortgage
02 /Non-regulated property finance
03 /Personal & limited company ownership
Understand the whole asset
One building.
Two sets of questions.
A semi-commercial mortgage is a loan secured against property with both commercial and residential use. The commercial element brings lease terms, tenant and trading considerations; the residential element brings its own occupation, access and legal details. Mixed-use properties need a clear picture of both.
For an investment, distinguish contracted rental income from rent actually received and estimates for vacant units. Commercial mortgage lenders consider their own affordability criteria alongside valuation, credit and the borrower’s circumstances. A large deposit or an attractive gross rent does not guarantee approval.
Loan-to-value, or LTV, compares the loan with the value accepted for lending. Income assessment is a separate question. Compare semi-commercial mortgages on the same repayment basis and term, including fixed or variable interest, arrangement fees, legal costs and any early repayment charge. A public rate without its conditions is an incomplete comparison.
We discuss purchases, remortgages and company-owned commercial properties within our non-regulated service. If you are considering bridging finance for works or a deadline, explain the exit as carefully as the acquisition. No future loan or sale should be treated as committed repayment funding.
Understand semi-commercial mortgages ↗A property is part of a place
Local evidence.
A broader perspective.
Explore registered sale-price histories, regional company-charge activity and the practical questions behind a mixed-use mortgage. Dated sources. Clear limits. No invented local claims.
Your plans, properly understood
A clear route through
complex property finance.
Start with what you want to do. We’ll help you frame the right questions for your next conversation.
02 / FINANCE
Make your equity work
Review an existing mortgage or explore capital raising, with the full cost and your next steps in view.
Explore remortgaging03 / FINANCE
Invest through a company
Explore lending considerations for limited companies and SPVs, from ownership to personal guarantees.
Explore company financeSee the whole property
Two uses.
One considered
finance strategy.
A standard mortgage rarely tells the whole story. The commercial lease, the residential income and the way you own the building all matter.
Understand semi-commercial lendingPlain-English guidanceProperty-first thinking
01
Start with the property
The use, title, leases and occupancy establish the starting point. A shop with flats needs a different conversation from a vacant mixed-use block.
02
Put the numbers in context
Rental income, deposit, fees and repayment structure belong in the same picture. A headline interest rate only tells part of the story.
03
Move forward with clarity
Understand what information is needed and what the next stage involves before making a commitment.
The property comes first
Not every building
fits into one box.
Explore the considerations that make your property different.
A little knowledge goes a long way
Make your next move
an informed one.
All insights How much deposit does a mixed-use property need?
Look beyond the deposit to the fees, cash reserves and income tests that shape your borrowing.
Read the guideWhat really affects your mortgage rate?
The property, your position and the loan structure all influence the cost of finance.
Read the guideBuying the shop and living above it
Why your plans for the residential part matter from the very first conversation.
Read the guideGood questions. Clear answers.
Let’s make
things simpler.
A few things worth understanding before you get started.
Ask about your situationWhat is a semi-commercial mortgage?
A semi-commercial mortgage finances a property that combines commercial and residential use, such as a shop with a flat above. Lenders assess the whole property, its income and its occupiers rather than treating it as a standard residential purchase.
How much deposit will I need?
There is no single deposit requirement. The maximum loan depends on the lender, valuation, rental income and your circumstances. A lower loan-to-value ratio may widen your options. Our deposit guide explains what to include alongside your deposit, such as fees and purchase costs.
Can I buy through a limited company?
Some lenders consider limited companies and special purpose vehicles. They assess the company structure, directors, shareholders and the property, and may ask for personal guarantees. Get tax advice before choosing how to hold the property.
What if I want to live in the flat above?
Tell the person arranging your finance at the outset. Occupation by you or a related person can change the regulatory treatment and the available lenders. The proportion used as a dwelling is one part of the assessment; it is not a complete eligibility test. We are not FCA regulated and only deal with non-regulated finance. Where regulated funding is required, we refer you to an FCA-regulated counterparty.
Is an enquiry a mortgage application?
No. An enquiry is an initial conversation about the property and your plans. It is not a credit application, a promise of funding or an agreement to pay a fee. Any next steps and applicable costs should be explained before you proceed.
What’s your next move?
Tell us about the property. Start with a conversation.