Semi-Commercial Mortgages for Mixed-Use Properties
Finance tailored for properties with combined residential and commercial use, maximising investment potential and lending flexibility.
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Over 120 UK lenders providing mortgage solutions for contractors outside IR35
Mortgage-Tek connects contractors operating outside IR35 to lenders experienced in self-employed and limited company income.
We ensure accurate affordability assessment, competitive rates, and smooth application processes.
Understanding Semi-Commercial Mortgages
Finance for multi-occupancy rental properties
 A semi-commercial mortgage finances properties that include both residential and commercial elements. Lenders assess rental income from residential tenants and commercial tenants, property value, and borrower credentials to provide suitable financing for investment or portfolio growth.
Flexible Semi-Commercial Mortgage Options
Solutions for different mixed-use investment strategies
Standard Semi-Commercial Mortgages
Finance for purchasing mixed-use properties with both residential and commercial units, ensuring rental income covers mortgage repayments and lender affordability criteria.
Refinance / Remortgage Options
Allows investors to refinance existing semi-commercial properties to release equity, reduce rates, or consolidate loans across residential and commercial units.
Development / Conversion Mortgages
Funding for converting parts of a property into residential or commercial units, with staged drawdowns based on progress and lender assessment.
Portfolio Semi-Commercial Mortgages
Tailored solutions for investors holding multiple semi-commercial properties, enabling portfolio expansion while managing income and repayment efficiently.
Is a Semi-Commercial Mortgage Right for You?
Ideal for property investors with mixed-use holdings
Semi-commercial mortgages suit investors owning or purchasing properties that combine residential and commercial elements, seeking finance for acquisition, refinancing, or portfolio growth.
- Investors with mixed-use properties combining residential and commercial unitsLandlords seeking to expand or refinance semi-commercial portfolios
- Developers converting properties for dual-use purposes
- Investors requiring structured finance for rental income optimisation
- Property owners seeking flexible lending solutions for mixed-use properties
What Lenders Will Assess
Core factors for semi-commercial mortgage approval
Property Type and Valuation
 Eligible properties must combine residential and commercial elements, meeting lender valuation criteria for both components and overall market value.
Rental Income Assessment
Lenders review residential and commercial rental income to ensure mortgage repayments can be covered and affordability is maintained.
Borrower Credit Profile
Credit history is assessed; minor issues may be acceptable if overall income and property security are strong.
Deposit / Loan-to-Value
Typical deposits range from 25–40%, depending on lender, property type, and borrower profile.
Business or Investment Purpose
Lenders confirm the purpose aligns with investment, portfolio growth, or business objectives.
How Much Can I Borrow Calculator
Borrowing based on property type and income streams
Loan amounts depend on the property’s overall value, combined rental income, and lender maximum loan-to-value limits. Mortgage-Tek calculates borrowing potential to optimise semi-commercial investment opportunities.
Your Estimated Borrowing Amount
Expert Guidance for Mixed-Use Property Investors
Specialist advice for semi-commercial property finance
Mortgage-Tek helps investors secure semi-commercial mortgages with tailored solutions, competitive rates,
and expert support throughout the application, ensuring smooth transactions for mixed-use properties.
Specialist Lender Access
We connect clients to lenders experienced in semi-commercial mortgages, providing competitive rates, flexible terms, and efficient approvals for mixed-use property investment.
Tailored Investment Advice
We assess property type, rental income, and investor goals to offer personalised mortgage solutions for semi-commercial properties.
Flexible Loan Options
Purchase, refinancing, development, or portfolio expansion loans structured to meet lender and investor requirements.
Transparent Process Guidance
Clear explanation of interest rates, fees, and repayment obligations ensures investors understand all financial commitments.
End-to-End Support
We manage communications, valuations, and documentation for a seamless semi-commercial mortgage process.
Regulated and Responsible Advice
All advice is FCA-compliant, offering structured, ethical guidance for property investors.
Frequently Asked Questions
Answers to common semi-commercial mortgage queries
Can I get finance for a property with both residential and commercial units?
Yes, semi-commercial mortgages are designed for properties combining residential and commercial elements.
What deposit is required?
Deposits typically range from 25–40%, depending on property type, lender, and borrower profile.
Can I refinance an existing semi-commercial property?
Yes, refinancing options allow investors to release equity, reduce rates, or consolidate finance.
Will my credit history affect approval?
Credit history is assessed, but strong rental income and property security often outweigh minor issues.
How long does the application take?
Applications usually take 6–10 weeks, depending on valuations, documentation, and lender assessment.
Can I use a semi-commercial mortgage for development projects?
Yes, lenders provide loans for refurbishment or conversion within semi-commercial properties, subject to staged drawdowns and valuation checks.