Semi-Commercial Bridging Loans
Finance for mixed residential and commercial properties
Semi-commercial properties - those with both residential and commercial elements - sit between two lending markets. This can make traditional finance tricky. Bridging loans provide flexibility to purchase, then refinance to the most suitable long-term product.
65-70%
Typical LTV
0.60-0.80%
Typical Rate/month
What we can finance
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Shops with flats
The most common semi-commercial type - retail ground floor with residential above
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Pubs & restaurants
Licensed premises with owner's accommodation
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Offices with residential
Mixed-use buildings in town centres
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Conversion potential
Properties where you can convert commercial to residential under permitted development
Things to consider
- • Valuation considers both residential and commercial elements
- • Lease terms on commercial units affect value
- • Some lenders prefer residential-led (more than 50% residential)
- • Exit can be semi-commercial mortgage or split into separate titles
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