Commercial Mortgages | Compare Rates & Expert Advice

What is a Semi-Commercial Mortgage?

A semi-commercial mortgage is designed for properties that combine both residential and commercial spaces under one title. Common examples include shops with flats above, pubs with accommodation, or other mixed-use investments.

Semi-commercial mortgages are used by landlords, investors, and business owners who want to purchase, refinance, or release equity from mixed-use properties. They provide flexible finance options tailored to the unique nature of these investments.

Terms are typically assessed on a case-by-case basis. Lenders will consider the balance of residential vs commercial use, expected rental income, your financial circumstances, and the deposit available. This ensures funding that fits your exact property and investment goals.

Semi-Commercial Mortgages Made Simple

Our panel of expert partner brokers can help you compare a wide range of semi-commercial mortgage deals, designed specifically for mixed-use properties. Whether it’s a shop with flats above, a restaurant with accommodation, or a work/live investment, we’ll help you find the right finance.

We also work with brokers experienced in more complex cases, ensuring you get access to competitive rates and flexible lending solutions.

This service is completely FREE and comes with no obligation.

Access Semi-Commercial Deals

Find mortgage options for properties that mix residential and commercial use, such as shops with flats or pubs with accommodation.

Tailored Mixed-Use Finance

Get flexible mortgage solutions shaped around your property — from small high street shops with flats above to larger mixed-use investments.

Expert Broker Support

Get guidance from FCA-regulated brokers who understand mixed-use lending and will help you secure the most competitive semi-commercial rates.

We work only with FCA-regulated mortgage brokers, giving you peace of mind that your details are safe and your enquiry will be handled quickly and professionally.

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Our Promise to You

Free, transparent, and built around your needs.

Our service is completely free to use. If you choose a mortgage from one of our partners, we may receive a commission — but our priority is always to provide clear, unbiased guidance so you can make the right decision for your investment.

A Simple, Stress-Free Process

No obligation. No hidden costs. Just expert help.

1. Share your property details and finance goals

2. Get matched with a specialist broker who understands your needs

3. Receive tailored mortgage options and ask questions before you decide

FAQS

What counts as a semi-commercial property? +

Any building with both commercial and residential elements, e.g. a shop with flats above.

How much deposit is usually required? +

Most lenders ask for 30–40% deposit for semi-commercial mortgages.

How do lenders assess rental income for semi-commercial? +

They consider both the commercial lease income and residential rental income. Strong tenants and long leases improve eligibility.

Do I need experience as a landlord? +

Some lenders require experience, but others will consider first-time investors.

Can I live in the residential part of the property? +

Usually no, lenders expect the property to be investment-led, but some exceptions exist.

Are interest rates higher than standard buy-to-let? +

Yes, semi-commercial is seen as higher risk, so rates and fees are typically higher.

What documents will I need? +

Proof of income, business accounts (if applicable), tenancy agreements, and ID documents.

Can I refinance an existing semi-commercial property? +

Yes, refinancing is common to release equity or secure a better deal.

Compare the Best Semi-Commercial Mortgage Deals

Our trusted lender partners offer access to thousands of mortgage deals across the UK market