Semi-commercial property

Mixed-use property loans and semi-commercial mortgages

When it comes to mixed-use property finance, whether for purchase or development, you need to ensure you’re getting the right type of mortgage or loan.

There are several factors that lenders will consider, starting with the type of property and potential yields. Are the residential and commercial elements separate units, such as a flat above a shop? Or are they combined, for example, a bed and breakfast where the owners live in?

What is the ratio split between residential and commercial? What are the potential yields from both the commercial and residential aspects? Could tenants be put off by the commercial aspect (living above a nightclub isn’t for everyone)? Can the units be split into separate titles and valued separately rather than combined?

There are some excellent options for semi-commercial property finance if you know the market. And luckily, the Commercial Expert team know where to find bespoke financing options and lenders who specialise in mixed-use mortgages.

Speak to an expert

Is a semi-commercial property investment loan right for you?

You should contact Commercial Expert about semi-commercial property loans if you are purchasing, developing or refinancing the following types of property:

Shops with flats above
Apartment blocks with retail or office space below
B&Bs with live-in staff
Hostels or hotels with staff accommodation
Pubs with live-in staff
Commercial property with caretaking accommodation
Care homes

As a whole of market property finance broker, we help you access semi-commercial mortgage lenders and specialist mixed-use property loans.

“Commercial Expert Ltd has helped me buy and grow my own B&B which is now my pride and joy. I am extremely happy with what I have accomplished, and I don’t think it would have been possible without everyone at Commercial Expert. I have been given the final seal of approval from Mike, who has actually stayed here and said that I do a ‘cracking breakfast.”

-Julia Ellwood, Yarm Guest House

Why choose Commercial Expert for semi-commercial property investment loans?

Why spend your time searching for specialist lenders or applying for finance you have no chance of securing when you can let us take care of the hard part? Whether this is your first time investing in mixed-use property, or you have been through the process several times, we can help you access the right type of finance for your needs.

Honest, jargon-free advice – funnily enough, our experts are regular people, so we talk the way regular people do. No jargon-filled corporate speak designed to make everything sound way more complicated than it is. Just honest, impartial and friendly advice.

Extensive industry knowledge – mixed-use property is a whole different ballgame to residential or commercial only. Fortunately, we can help you access the finance you need, whether it’s for purchasing, development or refinancing. Aside from knowing where to find specialist lenders and bespoke solutions, we also understand their criteria. This means we know what information to collect at the outset to ensure a smooth process right through to completion.

With you until completion (and beyond) – getting you approved for a mortgage or loan is our primary goal, but we don’t stop there. We’re with you right through until completion, liaising with lenders and solicitors to get your property deal over the line. And once your property investment is complete, we’re on hand should you need any further funding in the future.

FAQs about Semi-commercial property