Semi-commercial properties (those with a mix of commercial and residential use, such as a shop with a flat above) occupy a niche space in the lending market. Standard residential lenders won’t touch them, and not all commercial lenders are comfortable with the residential element, which makes finding the right finance a more specialist task.
We have extensive experience arranging finance on mixed-use properties of all descriptions, from high street retail with upper-floor flats to pubs with living accommodation and beyond. We know which lenders are genuinely active in this space and how to present an application that instills confidence at the point of underwriting.
Valuations, lease structures, and tenant profiles all play a role in how a semi-commercial property is assessed, and we work closely with valuers and lenders to ensure nothing is left to chance. Our job is to smooth the path between you and the funding you need, handling the complexity so you don’t have to.
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Move fast and seize opportunities with short-term funding built around your timeline.
Supporting your project from the first spade in the ground through to completion.
Flexible funding to help your business grow, invest, and maintain healthy cash flow.
Specialist finance for mixed-use properties that don't fit neatly into one box.
Lending that reflects the true potential of your commercial property investment.
Competitive lending for landlords and investors, whether building or refinancing a portfolio.
Unlock the cash sitting in your sales ledger and keep your business moving.
Fast, flexible capital based on the strength of your business.
Specialist funding tailored to care homes, dental practices, surgeries, and beyond.
Bring your properties under one streamlined facility and simplify the way you borrow.
Acquire the equipment your business needs without putting pressure on your cash flow.
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