Semi-Commercial Mortgages in Wandsworth

Funding a mixed-use purchase or refinance in Wandsworth

We arrange the full range of semi-commercial and mixed-use finance for Wandsworth property. A semi-commercial mortgage funds the purchase or refinance of an investment or owner-occupied mixed-use asset, typically to 70 to 75 percent of value, priced from around 6.5 to 8.5 percent a year. Where the residential element is large, a mixed-use mortgage may be sized on the blended income from both parts. Semi-commercial bridging covers a quick purchase, an auction lot or a property that needs works before it will support a term loan, usually from around 0.70 to 0.95 percent a month. For landlords holding several mixed-use or part-commercial assets, portfolio finance consolidates them under one facility. Once an asset is stabilised and let, a semi-commercial remortgage moves it onto a keener rate and releases equity for the next purchase in Greater London.

The semi-commercial property we fund in Wandsworth

Each kind of mixed-use asset is treated differently by different lenders, and we arrange finance for all of them in Wandsworth and across Greater London. That covers the classic shop with a flat above, offices with residential upper floors, pubs and guest houses with owner or letting accommodation, restaurants and takeaways with flats, retail parades with residential uppers, HMOs above commercial units, surgeries and professional premises with living space, and larger mixed-use blocks. The key question every lender asks is how much of the property, by floor area or value, is residential against commercial, because that split decides which desk will lend and on what terms.

The residential element: what local values tell a lender

The March 2026 sold prints show how stratified Wandsworth has become. At the top end, 24 Fanthorpe Street in Putney (SW15 1DZ) traded as a terrace at £1.74m, and 14 Jeypore Road in Earlsfield (SW18 2RJ) sold semi-detached at £938,000. The Battersea family-terrace bracket is well represented by 43 Burns Road, SW11 5GX at £900,000 and 17 Knowsley Road, SW11 5BN at £670,000. The flat market splits sharply by postcode. Battersea apartments at 61 Radley House, Palmer Road (SW11 4FS) cleared £590,000, while comparable SW11 4 stock at Balfour House traded at £468,000. South of the South Circular, Tooting and Furzedown flats are still pricing in the £330,000 to £540,000 range, with 130 Maskell Road (SW17 0LF) at £330,000 the floor in this sample. For development appraisals, the SW11 / SW18 family-house comp set between £670,000 and £940,000 is the band that drives the numbers on most infill schemes.

This residential evidence values the living space within a mixed-use property and gauges how readily it would let or sell. It is not a guide to the commercial unit's value, which is tenant and covenant driven.