Semi Commercial Mortgage Options

Semi Commercial MortgageSemi Commercial properties are treated by most lenders as Commercial properties. At Ravenwood, we have some specialist lenders that understand the risks in lending against such properties – true Semi Commercial Mortgages.

As a result, the terms and rates can be more favourable. Examples of semi-commercial are a shop with a flat above or a part pub part residential property.

A semi commercial mortgage would apply when refinancing or buying both properties – e.g. the shop and the flat. Experienced residential investors often diversify into part residential part commercial properties in search of yield and longer-term tenants.

If the tenant of the commercial part of the property has good accounts and appropriate lease, this can help the process of getting the mortgage, but this is not crucial by any means.

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Interest Only Semi Commercial Mortgages

Even though much of the mortgage market has stopped doing interest-only mortgages, we have some lenders that can do interest only on some semi-commercial properties.

Semi Commercial Mortgage Lenders

As of winter 2014, Ravenwood has six lenders offering finance on semi-commercial property.  Some of them are repayment only.  Some of them will only go as far as 60% LTV (loan to value).

Title Separation and separate entrances

If your able to do some building work, so the residential part of the property has its independent access, it may be possible to get a solicitor to help you separate the titles.  Then you could consider putting regular residential finance or Buy to Let funding on the private title part of the property (likely a leasehold property) and put a commercial mortgage on the commercial property. It could even pay to put more leverage in the residential leasehold property and leave the more challenging to finance commercial property unencumbered.

Part residential part commercial mortgage

This is what we specialise in! More examples of the property include but are not limited to:

  • Public Houses with owner-occupied accommodation
  • Care homes with owner accommodation
  • Some agricultural properties
  • Guesthouses and Hotels with landlord accommodation forming part of the B&B or Hotel
  • Residential property with commercial units or workshops included on the same title
  • Homes of multiple occupancies with a retail shop at street level and flats above a ground floor shop
  • Residential property including Holiday Let annexe flat on the same title


In 2023 remortgages for bad credit are very common and complete in around five weeks, sometimes in less time than that.


Interest Only Mortgage Over 60

Loan For Debt Consolidation Bad Credit Uk

How much can I get?

You can borrow 70% of your home’s value. As an example, if your home is valued at £260000 you can release £182000.

Bad Credit Consolidation Loans Uk