Semi-Commercial Mortgages

Properties that combine residential and commercial elements, such as shops with flats above, mixed-use offices or small retail units, are usually eligible.

Deposits typically range from 25–35% of the property’s value, though this can vary by lender and property type.

Rates depend on loan size, property type, tenant mix and borrower profile. A broker can compare options across lenders to help secure the most competitive deal.

Yes. Many lenders allow applications through limited companies, though criteria and tax implications should be considered.

They are long-term facilities, usually between 5 and 25 years, depending on the lender and the borrower’s goals.

Lenders assess both the rental income from the residential side and the income from the commercial side to ensure the loan is sustainable.

Yes. Many landlords and investors remortgage to secure a better rate, raise equity or restructure borrowing.

It can be more challenging for new businesses to qualify, but some lenders will consider applications if a strong business plan and security are in place.

Costs may include arrangement fees, valuation fees, legal costs and early repayment charges. A broker will provide a breakdown of all expected fees.

A broker like Avid Finance saves time by accessing multiple lenders, negotiating terms, and ensuring your application is packaged to meet lender requirements.