Key Features

A semi commercial property consists of a commercial and a residential element. Usually a retail shop on the ground floor, with a residential flat above the shop. A semi commercial mortgage can be arranged for this type of property.
Where the commercial element and residential element are part of one freehold property, the building is referred to as a semi-commercial property. Mortgages for Semi-Commercial properties are treated as pure commercial mortgages, despite the residential element. Commercial mortgage providers are the lenders that will provide a semi-commercial mortgage.

If the residential element of the property has a separate entrance to it (as opposed to needing to gain access via the commercial shop), then sometimes the residential element has been separated onto its own legal title( by creating a long leasehold title). If this is the case then it is possible to gain a commercial mortgage for the commercial element and a residential mortgage for the residential element of the property. By utilising the services available from our expert lending panel, we can arrange semi commercial mortgages.

• Mortgages for all types of semi commercial properties.
• Investment and owner occupier mortgages available.
• Interest rates from 2.50% above base rate.
• Capital and Interest and Interest only options.
• Terms from 3 to 30 years.
• 100% semi commercial mortgages with additional security.
• 100% semi commercial mortgages for existing tenants looking to buy from their landlords.
• 90% mortgages without additional security.
• Fixed interest rates.
• Exclusive semi commercial mortgages only available through selected professional advisors.

Key Features and Benefits

• Speak to a consultant today for a free personal consultation and they will handle your case from enquiry to completion
• Flexible and creative financing solutions to meet your needs from our panel of 100+ lenders
• Loans/mortgages from £100,000 to £50 million (smaller loans only considered in exceptional circumstances)
• Market leading interest rates. The actual interest rate will depend on the risk, quality of the credit profile and the purpose of the loan/mortgage
• Lowest overall cost of financing will be considered for your individual case
• All incomes levels, evidence of income, credit histories and funding requirements will be considered
• High loan to values available 100%+ funding can be achieved with additional security or by introducing more than one lender to a case
• Financing terms can be short term (a few months) or long term (many years) to suit your needs.