Semi-commercial and mixed-use finance
Mortgages, bridging, remortgage and portfolio facilities for part-commercial, part-residential property.
We arrange finance against semi-commercial and mixed-use property across the UK. A semi-commercial mortgage is the core product, a term loan of 6.5 to 8.5 percent a year to 70 to 75 percent of value, sized on the combined commercial and residential rent at an interest cover ratio of 125 to 140 percent. Investment and owner-occupier facilities suit landlords and trading businesses. Bridging at 8.5 to 11 percent a year covers auction purchases, chain breaks and refurbishment. Remortgage releases equity or moves you off a maturing loan, and portfolio finance puts several mixed-use units under one facility. We read the property, run it across our lender panel, and place the deal that fits the commercial and residential split, the rent and your plan.
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.
Learn moreMixed-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.
Learn moreSemi-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.
Learn moreOwner-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.
Learn moreSemi-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.
Learn moreBridge-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.
Learn moreLight 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.
Learn moreHeavy 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.
Learn moreSemi-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.
Learn moreSemi-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.
Learn moreSemi-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.
Learn moreNot sure which product fits?
Send us the property and we will tell you what is fundable and how best to structure it.