Semi Commercial Mortgages UK ⋆ Commercial Broker

We help source Semi Commercial Mortagages for both property investors and business trading premises.

A semi commercial mortgage is required when a property has both a residential element and a commercial element on the same title.

A common example of when a semi commercial mortgage is required, would be a retail premises with one or more residential flats above on the same title.

These types of property are usually not suitable for a standard buy to let mortgage or a standard commercial mortgage. A semi commercial property usually requires a specific mortgage designed for mixed use.

This could be required when investing in semi-commercial property or if you require a business premises with a residential buy to let element.

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Contents hide

1 Key Features of a Semi Commercial Mortgage

1.1 Semi-Commercial Property Types

2 Semi Commercial Mortgage Brokers

3 Apply for a Semi Commercial Mortgage

3.1 Share this:

Key Features of a Semi Commercial Mortgage

Here are some of the common features of semi-commercial mortgages available in the market for UK properties. Individual circumstances will effect what rates and deposit requirements are.

Up to 75% LTV
Loans from £50k to £50 million
Terms up to 30 years
Rates from 3%+
New builds and Development exits
Individuals and Limited Company Applications

Interest rates on semi-commercial are usually higher than a standard residential buy to let mortgage might be.

Semi-Commercial Property Types

Some common examples of semi commercial properties that we can arrange mortgages for include:

Retail shop with flats above
Block of flats with retail units on ground floor
Mixed use developments
Restaurant with apartments above
Mixed developments of offices and residential apartments

Semi Commercial Mortgage Brokers

As an independent commercial mortgage brokers, we specialise in helping clients with semi commercial mortgage applications.

Get help navigating available mortgages, compare options and full support from application to completion.

Apply for a Semi Commercial Mortgage

As an independent semi commercial mortgage broker, we can arrange quotes and guide you through the full application process.

Give us a call on 0161 5469128 or fill in the form below and we will be in touch.

EXCELLENT

13 reviews on

Gerad Barclay

2024-04-02

Exemplary Business Finance Service Bolton Business Finance and its MD Marcus Wright are professional and an example to others in the industry. Strongly recommended. Most business people searching for a business finance broker will have dealt with Estate Agents, Recruitment Agencies, or both. You know the types; recruitment “consultants” that try to palm you off with unsuitable candidates having doctored the CV to look great, or estate agents that assure you the enquirer is a “Cash Buyer” or in a fabulous position when in fact they have not even got an offer yet for their overpriced property. Many Business Finance Brokers are as above, probably worse. They work the numbers game of collecting applicants then punt the applicants around the types of lenders that want to tie you down with crazily high interest rates, unviable repayment terms and the ubiquitous PG. My advice is to look out for these shady practitioners. They want your personal ID, 6 months Bank Statements and annual accounts before even discussing solutions to your problem. They have only a passing conversational interest in your business. Be especially alert to the additional introduction “Fee” for getting to offer stage. One such broker added a 5% fee unto an already sky-high rate of interest front-loaded unto the principle, no reduction for early settlement, and of course the dreaded PG. Try getting 5% Interest per year on deposit of £200,000…. It is currently almost impossible yet, some brokers want 5% (£10,000 on that £200K) just for the introduction. That’s 3–5 times what Estate Agents will charge, and they typically must do some work and wait 6 months for the transaction to complete. The broker may well have punted your most personal details by email to any number of lenders leaving you exposed in many ways. Marcus did none of the above. He listened to the requirements. Noted preconditions, made no promises but came back very quickly with imaginative propositions. Very personal details and confidential information were requested only when there was agreement in principle. I will certainly use again.

Tyler Homeyard

2023-04-12

Great company to deal with. Marcus is a great guy and knows what he’s doing. They helped me with factoring my invoices on Courier Exchange. Very seem less process. Highly recommend.

TICS Global

2023-04-12

Fantastic speedy and attentive service.

Adam O'Rourke

2022-10-11

I've have never accessed commercial finance before and I was daunted by the process. Bolton Business Finance made the process simple, easy and fast. I've been funded and got exactly what I needed. Outstanding service, wouldn't hesitate to recommend!

Jamie Wynne-Griffiths

2022-10-05

What a top job. Absolute pleasure to work with Marcus. He understood exactly what we needed and didn't stop until he got it. Highly recommended!

Westhoughton Motors

2022-06-30

Great service, always kept updated and responded fast to any questions. Thanks to the team at Bolton Business Finance.

nasrat zamiri

2022-03-28

I had recently applied for Business Cash Advance facility through Bolton business finance. The process was easy and smooth, and received the requested funds within 3 days. Would highly recommend to any businesses who are looking for funding. Thanks Marcus

Matthew McClellan

2021-06-30

I recently approached Marcus at Bolton Business Finance to assist with sourcing and implementing a new invoice finance platform for my business. Marcus was professional and very knowledgeable from the very start and I would highly recommend his services. We will certainly be using Bolton Business Finance going forward.

michael walls

2021-03-15

Marcus arranged my CBILS loan and i found him a pleasure to deal with, no hassle , no fuss just gave me exactly what i needed ( sound advice ). Many Thanks