8
Towns & cities covered
Locations
Semi-commercial mortgages in West Midlands
Finance for semi-commercial and mixed-use property across 8 towns and cities in West Midlands.
176
Local planning schemes tracked
1909
Residential units in pipeline
UK-wide
Lender panel
We arrange semi-commercial and mixed-use mortgages across West Midlands, from a single shop with a flat above to a parade of units with residential uppers or a larger mixed-use block. We work with investors, owner-occupiers and limited companies on purchases, remortgages and portfolios, matching each case to the lenders that treat part-commercial, part-residential property well.
Every case we review in West Midlands is grounded in local evidence: the planning pipeline that shows conversion and mixed-use activity, and the residential sold market that values the living space within a semi-commercial asset. Choose a town below for its local market data, or talk to us about a property anywhere in the county.
Finance
The finance we arrange in West Midlands
Core semi-commercial and mixed-use products, used alone or combined.
Semi-commercial mortgage
Term finance for property that mixes a commercial unit with residential accommodation, from a shop with a flat above to a parade with uppers.
Mixed-use mortgage
Finance for property that combines commercial and residential use, sized on the rent from both parts and charged stamp duty at the non-residential rates.
Semi-commercial investment mortgage
Buy-to-let finance for mixed-use property held as an investment, sized on the rent from the commercial and residential tenants rather than your personal income.
Owner-occupier semi-commercial mortgage
Finance for a business that trades from the commercial part of a mixed-use property, sized on your trading affordability rather than third-party rent.
Semi-commercial bridging
Short-term finance against mixed-use property for an auction purchase, a chain break or a refurbishment, with a clear exit to a term mortgage or sale.
Bridge-to-let finance
Buy or refurbish a mixed-use property on a bridge, then term out automatically onto a semi-commercial or buy-to-let mortgage once it is let, all arranged under one application.
Light refurbishment finance
Short-term finance for cosmetic, non-structural works on a mixed-use property, with interest rolled up and an exit to a term mortgage or a sale once the works are done.
Heavy refurbishment finance
Finance for structural works, a change of use or a project needing planning and building regulations, funded against the day-one value plus a staged tranche for the works.
Semi-commercial development finance
Funding for conversions and small mixed-use development, from turning upper floors into flats to building out a mixed-use scheme, sized on loan to cost and gross development value.
Semi-commercial remortgage
Refinance an existing mixed-use property to a better rate, to release equity, or to move off a bridge or a maturing facility onto a new term mortgage.
Semi-commercial portfolio finance
A single facility across several mixed-use properties, refinancing or expanding a portfolio under one lender, one valuation cycle and one point of contact.
By town
Semi-commercial mortgages by town in West Midlands
Each town has its own local market data and mixed-use pipeline.
Sectors
Mixed-use property we finance across West Midlands
Every kind of semi-commercial asset is treated differently. We know which lenders back each one.
Buying or refinancing in West Midlands?
Send us the property details and we will come back with a view on lenders and likely terms.