Semi-Commercial Mortgages in Nottingham

Funding a mixed-use purchase or refinance in Nottingham

We arrange the full range of semi-commercial and mixed-use finance for Nottingham 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 Nottinghamshire.

The semi-commercial property we fund in Nottingham

Each kind of mixed-use asset is treated differently by different lenders, and we arrange finance for all of them in Nottingham and across Nottinghamshire. 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 granular sold data exposes how stratified the Nottingham market actually is. At the top end, 8 Lincoln Circus in The Park (NG7 1BG) cleared at £382,360 on 19 March 2026, a terraced freehold in one of the country's last private gated estates. At the opposite end, 16 Strelley Street in Bulwell (NG6 8FR) sold for £90,000 on 23 March, a freehold terrace transacting at less than a quarter of the Lincoln Circus price five miles north. Mid-market activity dominated the period: 31 Turnberry Road in Bulwell (NG6 9LY) at £240,450 for a detached freehold, 100 Querneby Road in Mapperley (NG3 5HS) at £235,000 for a semi, and 9 Promenade in St Ann's (NG3 1HB) at £260,253 for a terrace. Flats in the NG1 core, including Flat 23, 21 Barker Gate at £200,000 and Apartment 27 Lexington Place on Plumptre Street at £156,000, confirm that city-centre apartment values remain pinned below £210,000 for resale stock.

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.