Semi-commercial bridging loans
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.
What a semi-commercial bridging loan is
A semi-commercial bridging loan is short-term finance secured against a mixed-use property, used to move quickly or to fund a situation a term lender cannot. It funds an auction purchase against a tight completion deadline, breaks a chain, buys a property that is currently unmortgageable so it can be refurbished and let, or releases capital against an asset while a longer-term solution is put in place. The loan runs for a short period, typically 1 to 24 months, and is repaid in full at the end from a defined exit.
The exit is the heart of any bridge. Most semi-commercial bridges are repaid by refinancing onto a term semi-commercial mortgage once the property is income-producing, or by selling the asset. We will not arrange a bridge without a credible exit, because that is what protects you and satisfies the lender. Bridging is fast precisely because it is sized on the asset and the exit rather than on lengthy income underwriting.
We are a finance arranger and introducer, not a lender. Bridging on mixed-use property for business and investment purposes is unregulated lending, outside the FCA's regulated mortgage perimeter. Where an individual will occupy the residential element, regulated rules can apply and we refer those cases to a regulated firm.
- Short-term finance against mixed-use property
- Indicative rates of 8.5 to 11 percent a year, about 0.70 to 0.95 percent a month
- Up to 70 to 75 percent of value, terms of 1 to 24 months
- For auctions, chain breaks, refurbishment and capital raising
- Always arranged with a clear exit
Indicative terms
- Loan to valueUp to 70 to 75% of value
- Rate8.5 to 11% a year, about 0.70 to 0.95% a month
- Term1 to 24 months
- SpeedDays to a few weeks, deal dependent
- ExitTerm refinance or sale
- BorrowerIndividual, partnership or limited company
Indicative only. Terms vary by lender, property and borrower and are not an offer of finance.
Who it suits
- Buyers at auction with a tight completion deadline
- Investors refurbishing a mixed-use property to let
- Owners breaking a chain on a mixed-use purchase
- Borrowers raising capital against a semi-commercial asset
Discuss semi-commercial bridging
A view on lenders and likely terms within one working day.
How a semi-commercial bridge works
Define the exit
We establish how the bridge will be repaid, by term refinance or sale, before anything else, because the exit underpins the whole facility.
Size against the asset
We size the loan against the property value, up to 70 to 75 percent, with any refurbishment costs structured into the facility where needed.
Move at speed
We place the case with bridging lenders such as Shawbrook, Together and InterBay Commercial that move quickly on mixed-use security, often within days.
Repay on exit
At the end of the term the bridge is repaid in full from the refinance or the sale, with no early repayment penalty on most facilities.
Who can use a semi-commercial bridge
Semi-commercial bridging is open to individuals, partnerships and limited companies. Lenders are less concerned with personal income than a term lender, because the loan is short-term and asset-backed, but they need a credible, evidenced exit and security they are comfortable with. A clear plan to refinance onto a term mortgage once the property is income-producing, or to sell within the term, is essential. The condition of the property is less of a barrier than for a term loan, since bridging is often used precisely to fund an asset that is not yet mortgageable.
How much you can raise on a bridge
Semi-commercial bridging lends up to 70 to 75 percent of the property value, and where the bridge funds works the facility can be structured to release refurbishment money in stages against the rising value. Because the loan is short-term and asset-backed, it is sized on value and the exit rather than on stressed rental cover, which is why it can complete in days where a term mortgage takes weeks. The deposit or equity required is therefore 25 to 30 percent of value.
Rates, fees and how bridging is priced
Semi-commercial bridging is priced monthly, at around 0.70 to 0.95 percent a month, which equates to roughly 8.5 to 11 percent a year for mid-2026. Interest is commonly rolled up or retained rather than paid monthly, which protects cashflow during the term. Expect an arrangement fee of around 1.5 to 2 percent, a valuation fee and legal costs on both sides. Bridging costs more than a term mortgage by design, so it is used for a defined short period and refinanced or repaid promptly. These figures are indicative and not an offer of finance.
Bridging against a term semi-commercial mortgage
A term semi-commercial mortgage is the cheaper long-term home for a mixed-use asset, but it underwrites income over weeks and needs a property that is already lettable. A semi-commercial bridge is faster and more flexible, funds property a term lender will not yet touch, and works to a short deadline, at a higher monthly cost. The two work together: the bridge buys and stabilises the asset, then the term mortgage refinances it onto cheaper money once it produces income. We arrange both so the exit is lined up from the start.
Semi-commercial bridging: common questions
Can I get a bridging loan on a commercial property?
Yes. Bridging is available on commercial and semi-commercial property up to 70 to 75 percent of value. Semi-commercial bridging covers mixed-use assets such as a shop with a flat above, with a clear exit to a term mortgage or sale.
Can you get a bridging loan through a limited company?
Yes. Most bridging lenders fund limited company and SPV borrowers as standard, usually with personal guarantees from the directors. Limited company ownership is common for semi-commercial investment.
What is a semi-commercial mortgage?
A term loan secured against a property with both a commercial and a residential element. A semi-commercial bridge is the short-term version, used to buy or stabilise the asset before refinancing onto a term semi-commercial mortgage.
What are the different types of bridging loans?
Bridges are often described as closed, where the exit date is fixed, such as an agreed sale, or open, where there is a credible exit but no fixed date. They are also split by purpose: purchase, auction, refurbishment, chain break and capital raising. We match the structure to your situation and exit.
Discuss semi-commercial bridging
Send us the property details and we will come back with a view on lenders and likely terms within one working day.