Mixed-Use Property Mortgages
Mixed-use properties can offer strong rental yields and long-term capital growth — but funding them requires specialist expertise. At Charleston Financial, we arrange mortgages tailored to buildings with both residential and commercial elements.
- Competitive rates starting from 5.75%
- Up to 75% loan-to-value (LTV)
- Residential + commercial combined security
- Terms up to 25 years
- Interest-only and repayment options
- No upfront broker fees
Very pleased with your service and the results on my mortgage with Gwyn Jones. I would like to speak to you again regarding another matter I need finance for. A special mention on your professional telephone manner
Finance for Properties with Residential + Commercial Use
Mixed-use properties, such as a shop with a flat above are increasingly popular with landlords, developers, and investors. But securing a mortgage for them can be challenging due to their dual-use nature.
At Charleston Financial, we specialise in sourcing mortgages for buildings with both commercial and residential components. Whether you're purchasing, refinancing, or developing a mixed-use site, we’ll find a funding solution that suits your structure and goals.
Why Consider a Mixed-Use Mortgage?
Mixed-use mortgages open the door to flexible income strategies and long-term returns:
- Higher yields from combined residential & commercial rents
- Capital growth from multi-use property types
- Potential to live above or let both elements
- More control vs. standalone commercial units
- Diversification of tenant and income risk
We arrange funding for mixed-use properties via limited companies, SPVs, or personal names. Our lender panel includes specialist providers who understand non-standard security and split-use valuations.
Who It's For:
- Landlords buying a shop with a flat above
- Developers converting or refurbishing mixed-use buildings
- Property investors refinancing to release capital
- Owner-occupiers who live above their business premises
Property Types:
- Retail unit with upstairs flat
- Café or takeaway with residential above
- Live-work units or converted buildings
- Semi-commercial buildings with shared entrances
- Blocks with part-residential, part-commercial layouts
Application Process:
- Speak to a mixed-use mortgage advisor
- Receive a decision in principle within 24 hours
- We compare options across 100+ lenders
- You get full support through to completion
