01 / GUIDE
What is a semi-commercial mortgage?
A semi-commercial mortgage is finance secured against a property that combines commercial and residential use. A shop with separately let flats above is a common example.
Read the guideThe knowledge library
A clearer view of property finance.
Practical explanations of the costs, decisions and documents behind a semi-commercial mortgage. General guidance to help you prepare.
02 / GUIDE
Semi-commercial mortgage deposits. Build the full budget.
There is no universal deposit requirement for a mixed-use property. Start with the proposed loan-to-value, then allow for the costs and contingencies around it.
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Semi-commercial mortgage rates. Look beyond the headline.
A lower interest rate is not always the lower-cost option. Compare the full proposal over the period you expect to hold the loan.
Read the guide04 / GUIDE
Living above your business? Find the right finance route.
A property used partly as your home is not automatically a non-regulated commercial borrowing case. Explain your intended occupation at the outset.
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Your semi-commercial mortgage documents checklist.
You do not need a complete mortgage application to start a conversation. A concise, accurate summary is more useful than a large bundle of unlabelled files.
Read the guideNon-regulated finance only. Lenzie Consulting Ltd is not authorised or regulated by the FCA. Where regulated funding is required, we refer enquiries to an FCA-regulated counterparty.