Semi-Commercial Mortgages
Mixed-Use Property Finance for Investors
Need a semi-commercial mortgage for a mixed-use property? Bright Money helps landlords and business owners secure funding up to 75% LTV for properties with both residential and commercial use. Fast decisions, expert advice, and competitive rates.
What is a Semi-Commercial Mortgage?
A semi-commercial mortgage (also known as a mixed-use mortgage) is designed for properties that have both residential and commercial elements — for example:
- A shop or café with flats above
- A ground-floor office with residential accommodation above
- A property that’s mainly residential but includes a business unit
These mortgages sit between standard buy-to-let and full commercial loans, offering more flexible terms and lower rates than pure commercial lending.
🎯Why Choose a Semi-Commercial Mortgage?
Higher flexibility: Borrow against properties that mix business and residential use.
Attractive loan-to-value ratios: Up to 75% LTV with select lenders.
Interest-only or repayment: Choose a structure that fits your cash flow.
Larger loan sizes: Borrow from £50,000 to £20 million+.
Long-term options: Terms up to 25 years available.
Bespoke underwriting: Each case assessed individually — not computer-scored.
👤Who we Help
We work directly with:
- Landlords refinancing or expanding portfolios
- Business owners buying premises that include residential space
- Investors purchasing mixed-use or multi-unit buildings
- Limited companies acquiring property for rental or trading
🏬Example Properties We Can Finance
Property Type
Shop with flats above
Restaurant with accommodation
Office with residential conversion
Industrial or warehouse units with living space
HMO with small commerical space
Pubs, petrol stations, care homes
Example
Retail unit with 2-3 residential apartments
Owner-occupied or investment
Part-commercial, part-residential
Subject to usage
Case by case
Not usually accepted
Eligible?
Yes
Yes
Yes
Yes
Yes
No
Example Properties We Can Finance
Shop with Flats Above
Example: Retail unit with 2–3 residential apartments
Eligibility: ✅ Usually acceptable
Restaurant with Accommodation
Example: Owner-occupied or investment
Eligibility: ✅ Usually acceptable
Office with Residential Conversion
Example: Part-commercial, part-residential
Eligibility: ✅ Usually acceptable
Industrial or Warehouse Units with Living Space
Example: Subject to usage
Eligibility: ✅ Usually acceptable
HMO with Small Commercial Space
Example: Case-by-case
Eligibility: ✅ Usually acceptable
Pubs, Petrol Stations, Care Homes
Eligibility: 
Not usually accepted
📝Loan Features and Criteria
Feature
Loan Size
LTV
Term
Repayment Options
Applicants Accepted
Property Types
Credit Flexibility
Typical Range
£50,000 - £20 million+
Up to 75%
5 - 25 years
Interest-only, Part & Part, Repayment
Individuals, Ltd Companies, LLPs
Mixed-use, HMO + Commercial, holiday let + shop
Adverse accepted case-by-case
📝Loan Features and Criteria
Loan Size: £50,000 – £20 million+
LTV: Up to 75%
Term: 5 – 25 years
Repayment Options: Interest Only, Part & Part, Repayment
Applicants Accepted: Individuals, Ltd Companies, LLPs
Property Types: Mixed-use, HMO + Commercial, holiday let + shop
Credit Flexibility: Adverse accepted case-by-case
🌟Why Choose Bright Money ?
At Bright Money, we specialise in helping real clients — not brokers — get the right funding for their property.
Here’s what sets us apart:
- Direct access to lenders – we compare leading banks and specialist lenders on your behalf.
- Fast decisions – many semi-commercial lenders issue an in-principle decision within 24-48 hours.
- Personal service – one point of contact from enquiry to completion.
- Transparent fees – no hidden costs, no jargon.
- Experienced advisors – we’ve helped landlords, limited companies and self-employed borrowers nationwide.
🔍How the Process Works
- Initial enquiry – tell us about your property and funding goal.
- Quick assessment – we’ll confirm if it fits semi-commercial criteria and outline the best options.
- Decision in Principle – get an early indication of loan size, rate and terms.
- Valuation & underwriting – your property is valued and reviewed by the lender.
- Offer & completion – once approved, we guide you through to completion.
Most semi-commercial applications can progress from enquiry to offer in as little as 2–4 weeks, depending on complexity.
FAQ
about
semi
commercial
mortgages
What is the maximum loan-to-value (LTV)?
Up to 75% LTV based on market value (subject to property type and lender).
Can I get interest-only?
Yes — most lenders offer interest-only, part & part, or full repayment options.
Can I apply as a limited company?
Yes. We help many limited companies and SPVs secure semi-commercial funding.
What credit history is acceptable?
Lenders like Aldermore and West One can consider minor adverse credit on a case-by-case basis.
Are vacant or part-let properties accepted?
Yes — some lenders will lend based on vacant possession or projected income.
Ready to Get Started ?
Whether you’re purchasing, refinancing, or remortgaging a mixed-use property, Bright Money can help you secure the right deal fast.
Call us: 01844 390910
Email us: info@bmimoney.co.uk
Or use the form below and we'll be in touch.
