What deposit do I need for semi-commercial?

Typically 25-40% of the property value, depending on the lender and the commercial/residential split.

Can I live in the residential part?

Some products allow owner-occupation of the residential element, while others require the entire property to be let. We match you with the right product.

Are semi-commercial rates higher?

Yes, typically 1-2% higher than standard residential buy-to-let rates, reflecting the additional complexity and risk.

Can I buy a pub with a flat above?

Yes, specialist semi-commercial lenders consider pubs with residential accommodation. The viability of the commercial business is assessed alongside the property value.

Semi-Commercial Mortgages

Semi-commercial properties (mixed residential and commercial use) need specialist mortgage products. We find lenders who understand mixed-use lending.

What Is a Semi-Commercial Mortgage?

A semi-commercial mortgage is for properties that combine residential and commercial use — such as a shop with a flat above, or an office building with residential apartments. These properties don't fit neatly into standard residential or commercial lending categories, requiring specialist products. Rates are typically between residential and full commercial, and lending criteria vary significantly between lenders.

Specialist mixed-use property lenders accessed
Shop-with-flat and office-with-residential expertise
Both residential and commercial income assessed
LTV up to 75% available with the right lender
free initial semi-commercial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Types of Semi-Commercial Property

Common semi-commercial properties include shops with flats above, pubs with residential accommodation, offices with ground-floor retail, and buildings with a mix of commercial and residential tenants. The ratio of commercial to residential space affects which lenders will consider the property.

How Lending Differs

Semi-commercial mortgages typically require larger deposits (25-40%), have higher interest rates than residential (but lower than full commercial), and are assessed on both rental income and personal income. The commercial element adds complexity that requires specialist underwriting.

Income Assessment

Lenders assess both the residential and commercial rental income when calculating affordability. The commercial element is often stress-tested more conservatively, with lenders wanting rental coverage of 125-145% of the mortgage interest. Lease terms, tenant quality, and void risk all factor in.

Planning and Use Class

The property's planning use class matters. A property with mixed-use planning consent is more straightforward than one where the uses have evolved informally. We ensure all planning considerations are addressed before application.