Terms & Conditions

These Terms govern your use of the Semi-Commercial Property Finance website and our finance-arrangement service. By using the site or submitting an enquiry you accept these Terms.

Our role

We are a finance arranger and introducer. We are not a lender and we do not provide financial, legal, tax or investment advice. We introduce borrowers to lenders and help structure and place finance against semi-commercial and mixed-use property. Any finance is provided by, and on the terms of, the relevant lender. Semi-commercial finance for business and investment borrowers is unregulated lending, outside the FCA's regulated mortgage perimeter. Where an individual borrower will personally occupy the residential element, the loan can fall under FCA-regulated rules, and we refer those cases to a regulated firm.

No offer of finance

Information on this website, including indicative rates, loan-to-value figures, interest cover ratios, terms and example structures, is illustrative only. It varies by lender, property and borrower and does not constitute an offer of finance or a commitment to lend.

Regulatory status

Semi-Commercial Property Finance is a trading name of Lenzie Consulting Ltd, registered in England and Wales under company number 08174104, registered office Lynch Farm, Kensworth, Dunstable, LU6 3QZ. Semi-commercial and mixed-use finance arranged for business and investment borrowers is unregulated lending and falls outside the Financial Conduct Authority's regulated mortgage perimeter. We are a finance arranger and introducer, not a lender, and we do not provide financial, legal or tax advice. Where an individual borrower will personally occupy the residential element of a semi-commercial property the loan can fall under FCA-regulated rules, and we refer those cases to a regulated firm. Indicative terms, rates and loan-to-value figures are illustrative, vary by lender, property and borrower, and are not an offer of finance.

Accuracy of information

Market data shown on location pages is drawn from public sources, including HM Land Registry price-paid data and local-authority planning records, and is provided for general context. It may not be current or complete and should not be relied on as the sole basis for any decision.

Liability

To the extent permitted by law, we are not liable for any loss arising from reliance on the website or from any finance arranged. Nothing in these Terms excludes liability that cannot lawfully be excluded.

Governing law

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

Contact

Questions about these Terms can be sent to enquiries@semicommercialpropertyfinance.co.uk.