What counts as semi-commercial?
Properties that have both a residential and commercial element. Most common examples: shop with flat above, pub with owner's accommodation, office with residential upper floors, retail parade with flats.
These properties are treated as commercial by most mainstream lenders, but the right specialist lender will consider them competitively.
What lenders assess
- The commercial/residential split percentage
- Strength of commercial tenant if let
- Residential rental income
- Vacant possession value vs investment value
Key benefits
Both elements valued together
The residential and commercial parts are assessed as one property, often resulting in a stronger overall valuation.
Owner-occupier and investment
Trading from the commercial unit or letting both elements, we have lenders to suit either approach.
Up to 75% LTV in many cases
Competitive loan-to-value ratios available from specialist mixed-use lenders on our panel.
Competitive rates from specialist lenders
Access rates that reflect the true value of your mixed-use property, not inflated commercial-only pricing.
Freehold and leasehold considered
Both freehold and leasehold tenure types accepted across our lender panel.
Mixed-use portfolio finance available
Own multiple semi-commercial properties? We access portfolio lenders who understand this market.
What you need
- Full property details including commercial and residential elements
- Current leases and tenant details for both parts
- 2–3 years accounts if owner-occupier
- Director personal financial details
Important: Semi-commercial mortgages are secured against property. For a loan to be classified as "commercial," at least 40% of the property or land must be used for commercial purposes. Failure to meet repayment terms could result in repossession.
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Commercial mortgage calculator
Rate shown as BoE base rate (3.75%) plus a margin. Guide tool only.
£100,000 to £10,000,000
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
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