Semi-Commercial Mortgages
Semi-commercial properties combine living space with commercial use and require mortgage products that understand both. At Charleston Financial, we help investors and business owners access flexible, competitive finance for semi-commercial buildings.
- Competitive rates from 5.75%
- Up to 75% loan-to-value (LTV)
- Interest-only or repayment options
- SPV, Ltd Co and personal ownership supported
- Wide panel of specialist lenders
- No upfront broker fees
Just to let you know that we did complete the deal earlier today after 5 months of effort. A thank you to all at Charleston for your help and persistence with this matter.
Mortgage Solutions for Part-Residential, Part-Commercial Property
Semi-commercial buildings, like a shop with a flat above or a pub with landlord accommodation, don’t fit neatly into residential or commercial mortgage categories. That’s why we source mortgage solutions that are specifically designed for mixed-use structures.
At Charleston Financial, we work with lenders who understand the unique features of semi-commercial property and offer mortgages that reflect its true value and potential.
Why Consider a Semi-Commercial Mortgage?
A semi-commercial mortgage gives you the flexibility to:
- Borrow against both the commercial and residential parts of the building
- Secure potentially lower rates than commercial-only borrowing
- Benefit from multiple income streams in one asset
- Live on-site or let out the residential unit for additional yield
- Access capital from a more flexible valuation model
With lender appetite growing for semi-commercial, we ensure you're matched with the most competitive product available.
Who It's For:
- Business owners operating from part of the property
- Landlords buying or refinancing shop + flat setups
- SPVs or limited companies investing in hybrid assets
- Investors diversifying into multi-use income property
Property Types:
- Shops with residential flats above
- Takeaways or cafes with accommodation
- Pubs, B&Bs, or restaurants with living quarters
- Converted buildings with split commercial/residential use
- Ground floor retail with upper floor housing
Application Process:
- Talk to one of our semi-commercial finance advisors
- Receive your decision in principle in 24 hours
- We search 100+ lenders for the right fit
- We handle the application process end to end
