Commercial & Semi-Commercial Mortgages

Whether you're buying business premises, refinancing a portfolio, or investing in a mixed-use property, commercial and semi-commercial mortgages offer the flexibility to support your long-term plans.

With access to specialist lenders across the market, we’ll help you secure the right funding based on your property type, business structure, and income profile.

A commercial mortgage is a loan secured against property used for business purposes. This could be an office, retail unit, warehouse, or industrial space.

Semi-commercial mortgages are used for properties that combine both residential and commercial use such as a shop with a flat above or a mixed-use building. 

Unlike standard residential mortgages, these loans are assessed on business income, projected rental yields, and the strength of your trading history or investment experience.

You may need commercial or semi-commercial finance if you're buying or refinancing a property for business use, purchasing premises as a limited company or pension (SSAS/SIPP), or investing in a building that generates both rental and business income.

These mortgages are often used by business owners, commercial landlords, and investors expanding into the mixed-use or commercial space.

The amount you can borrow depends on the property value, the deposit or equity available, and how the loan will be repaid. Terms can range from 5 to 25 years, and lenders may offer interest-only or capital repayment options.

Rates vary depending on the type of property, lease terms, and financial strength of the applicant or tenant. We work closely with lenders to help you compare the most competitive deals.

Most commercial and semi-commercial mortgages are unregulated by the Financial Conduct Authority (FCA), unless the property is partly used as your main residence.

We’ll always explain whether your case falls under FCA regulation and ensure that the advice you receive is clear, suitable, and compliant.

We take the stress out of sourcing commercial finance by comparing lenders, explaining complex criteria, and supporting you throughout your journey.