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SEMI COMMERCIAL INVESTMENT MORTGAGE

Green Shop front on the corner of the road

A Semi-Commercial Investment Mortgage is a financial product designed for purchasing properties with residential and commercial elements, such as a shop with an apartment above it. This type of mortgage blends residential and commercial lending aspects, catering to investors who aim to generate income from mixed-use properties. Lenders assess both the commercial potential and the residential element of the property. These mortgages often require a larger deposit and have different eligibility criteria than residential or commercial mortgages.

WHAT IS A SEMI COMMERCIAL INVESTMENT MORTGAGE?

NO UPFRONT FEES

NO BROKER FEES

Key benefits of Semi Commercial Investment Mortgages:

PROPERTY ELIGIBILITY 

  • Mixed-use properties qualified

  • Residential and commercial components

  • Location and condition considered

  • Compliance with zoning regulations

LOAN CHARACTERISTICS

  • Higher deposit requirements

  • Blended interest rates

  • Varied loan terms available

  • Secured against property

BORROWER CRITERIA

  • Strong credit history needed

  • Solid financial background is important

  • A business plan may be required

  • Experience in property management valued

Experienced. Trustworthy. Tailored.

Clever Commercial is an award-winning brokerage with over 30 years expertise in providing bespoke property financing solutions. Competitive rates, flexible criteria, and unrivalled service. Build your future - partner with us.

WHY CHOOSE CLEVER COMMERCIAL?

FREQUENTLY ASKED QUESTIONS

What is a Semi-Commercial Investment Mortgage?

It's a loan for properties that have both residential and commercial elements, like a retail space with apartments above. This mortgage caters to investors seeking income from mixed-use properties.

Who is eligible for this type of mortgage?

Eligibility typically requires a good credit history, proven financial stability, and, sometimes, experience managing similar properties. A solid business plan can also strengthen the application.

How do loan terms differ from standard mortgages?

Semi-commercial mortgages often have higher deposit requirements, possibly higher interest rates, and varied loan terms, reflecting the mixed-use nature of the property and the associated risk.

What factors affect the mortgage approval for a mixed-use property?

Lenders consider the property's location, condition, compliance with zoning laws, potential income from commercial and residential parts, and the borrower's ability to manage such a property.

CONTACT DETAILS

Email:

enquiries@clevercommercial.co.uk

Telephone Number:

01981 250511

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