Semi-commercial property we finance
Every mixed-use asset has a different commercial and residential split. We know which lenders back each one.
Semi-commercial property comes in many forms, and each is funded on its own terms by its own set of lenders. A shop with a flat above turns on the value of the residential part against the whole. A pub with accommodation turns on trade and the strength of the letting income. A mixed-use block turns on the spread of commercial and residential units. We arrange finance across every property type below, matching each one to the lenders that treat that mix of commercial and residential space well.

Shop with flat above
Finance for a ground-floor shop with one or more flats above, treated as a single semi-commercial title.
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Office with residential
Finance for an office at ground or lower level with residential accommodation above or alongside.
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Pub with accommodation
Finance for a public house with owner or letting accommodation, funded on trade and the building together.
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Restaurant or café with flat
Finance for a restaurant or café at ground level with a self-contained flat above on one title.
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Mixed-use block
Finance for a multi-unit building combining commercial space with several residential flats on one title.
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Retail parade with uppers
Finance for a row of shops with residential flats above, held as a single semi-commercial investment.
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HMO above commercial
Finance for a house in multiple occupation above a shop or commercial unit on one semi-commercial title.
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Surgery or professional premises with flat
Finance for a surgery, dental practice or professional premises with residential accommodation above.
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Guest house or B&B
Finance for a guest house or bed and breakfast with owner accommodation, funded on trade and building.
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Live/work units
Finance for a live/work unit combining commercial workspace and residential living under one consent.
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Takeaway with flat
Finance for a hot-food takeaway at ground level with a self-contained flat above on one title.
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Convenience store with flat
Finance for a convenience store or corner shop with self-contained residential accommodation above.
Learn moreFinancing a semi-commercial property?
Whatever the property type, send us the detail and we will tell you what is fundable and on what terms.