Semi-commercial mortgage guides
Plain-English answers on rates, deposits, the commercial and residential split, interest cover and bridging, from a specialist arranger.
Straight answers to the questions borrowers ask before they finance a semi-commercial property. Written and reviewed by Matt Lenzie, who has arranged more than £500 million of property finance over 25 years.
What is a semi-commercial mortgage?
What a semi-commercial mortgage is, what it funds, and how it differs from a standard commercial or residential loan.
Read the guide → BasicsThe 40 percent rule: what qualifies as mixed-use property
How lenders use the commercial-to-residential split to decide whether a property is mixed-use or simply residential.
Read the guide → BasicsSemi-commercial vs commercial mortgage: the difference
How a semi-commercial mortgage differs from a fully commercial one, and why the residential part changes the deal.
Read the guide → BasicsHow to finance a mixed-use property
The routes to fund a mixed-use property, what lenders need, and how to structure the deal.
Read the guide → CostsSemi-commercial mortgage rates
What a semi-commercial mortgage costs in mid-2026, and what drives the rate you are offered.
Read the guide → CostsMixed-use mortgage rates
What a mixed-use mortgage costs in mid-2026, and how the commercial and residential mix shapes the rate.
Read the guide → CostsSemi-commercial mortgage deposit
How much of your own capital a semi-commercial purchase needs, and what moves the figure up or down.
Read the guide → LendersSemi-commercial mortgage lenders
The lenders who fund mixed-use property, what each looks for, and how to reach the right one.
Read the guide → TaxMixed-use stamp duty: how SDLT works on mixed-use property
Why mixed-use property is charged at the non-residential stamp duty rates, and what that means for a buyer.
Read the guide → RegulationRegulated vs unregulated semi-commercial mortgages
When a semi-commercial mortgage falls under FCA rules, when it does not, and why occupation is the deciding factor.
Read the guide → InvestmentSemi-commercial buy-to-let
How investors fund a mixed-use property to let, and why the combined rent can make it a strong buy-to-let.
Read the guide → AffordabilitySemi-commercial affordability and the interest cover ratio
How lenders size a semi-commercial loan using the interest cover ratio on the combined rent.
Read the guide → StructureLimited company semi-commercial mortgage
How investors fund a mixed-use property through a limited company or SPV, and what lenders require.
Read the guide → RefinanceSemi-commercial remortgage guide
When and how to remortgage a mixed-use property, whether to release equity or move to a better rate.
Read the guide → AboutSemi-commercial mortgage broker
What a specialist semi-commercial broker does, and why a mixed-use deal benefits from one.
Read the guide →Got a property in mind?
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