Semi-Commercial Mortgages | AP Commercial Finance

Semi-Commercial Mortgages Explained

Semi-commercial property usually contains both commercial and residential elements, such as a shop with flats above.

Important information.

Commercial finance is subject to status, lender criteria, affordability, valuation and underwriting. Security may be required and your property may be at risk if you do not keep up repayments on a mortgage or other loan secured against it. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

Examples of semi-commercial property

Retail unit with residential flats
Office with residential accommodation
Mixed-use hospitality property
Commercial unit with separate residential leases
Other property with mixed income streams

What lenders may review

Commercial and residential split
Lease terms and rental income
Access arrangements and title details
Property valuation and condition
Borrower experience and repayment plan

Why structure matters

Regulatory status may depend on circumstances
Different lenders treat mixed-use property differently
Valuation and income evidence can affect options
Bridging or refurbishment finance may be needed before term finance
Legal and planning details can be important

Speak to AP Commercial Finance

Use this guide as a starting point, then discuss your specific circumstances with a specialist.

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