Semi-Commercial Mortgages

Make getting a competitive mortgage for a mixed-use property easy with in-depth market knowledge & industry insights. 

With the market changing on a daily basis, never has it been more important to find the right deal for your property. But what do you do when it comes to a mixed-use or semi-commercial property that has complex requirements…speak to a semi-commercial mortgage specialist who knows the market, of course.

We’re semi-commercial experts, here to help you find the finance you need. From a quick chat with one of the team, you can easily compare UK lenders, check your eligibility and find out if you can save on your next mortgage.

With flexible terms available and a huge range of options, not only can you compare the latest deals and a wide range of lenders, but you can get access to our exclusive deals, not always available direct.

With us, you’ll get a free no-obligation quote packed with our expert guidance and a full breakdown of potential costs and savings.

Sound familiar?  You already have several buy-to-lets and have just spotted a potential semi-commercial property that could be a lucrative investment. Or you may have spotted another great semi-commercial investment but believe you have maxed out your funding options.

Where do you start? What lenders will consider you and could you benefit from getting a semi-commercial mortgage instead of buy-to-let finance?

We all know that diversification is king when it comes to property investing. We also know that having so many different mortgage options and rates available, it can be time-consuming and daunting to find suitable finance for your property. But it doesn’t have to be.

We help professional landlords across the UK to grow their blended portfolios, ensuring they get every bit of our insider know-how to get the right product, especially when it comes to the more complex side of the market, such as semi-commercial mortgages.

OK, first let’s consider the type of property you are looking at. If your property comprises both residential investment property and commercial elements on the same title, yep semi-commercial finance could be for you. This could be: 

→ A commercial unit with a flat above.

→ A bank with a residential unit.

→ A block of flats with retail units on the ground floor.

There are many more scenarios that you could be looking at. That’s why we believe a one-click mortgage calculator just doesn’t cut the mustard when it comes to finding a competitive deal for your mixed-use property and why we take the time to ask the right questions to quickly match your property to solutions for your unique needs.

From working closely with over 60 lenders in the market last year, we know that it is important to understand what the commercial property comprises of, the strength of the tenant, the length of the lease and if there is a break clause in addition to the tenancy for the residential unit. We’ll ask a few questions like this and then get straight to it in finding a suitable deal for you.

In a few minutes from chatting with one of our specialists, you can discover mortgage options for your next investment and know exactly what deals might be available to expand your portfolio further.

We haven’t even got to the good bit… we’ll get into reasons why a semi-commercial mortgage could be beneficial shortly…

Here are just some of the benefits to considering a semi-commercial mortgage for your next investment:

Our mission is to deliver award-winning service to landlords across the UK, so we’re super proud to been recognised with a whole host of awards in Mortgage Strategy’s Best Broker for Buy-to-Let in 2022!

The Financial Conduct Authority does not regulate commercial lending or finance.

Just like your home, your property may be repossessed if you do not keep up payments on your mortgage.