Semi Commercial Mortgages

Looking to buy or refinance a Semi-Commercial Property?
We have access to some of the most competitive semi-commercial mortgages, with up to 75% LTV

Semi Commercial Mortgages

Semi Commercial Mortgages

If you’re purchasing Commercial Property for your own occupation, to lease, via a SIPP as a longer-term investment or perhaps you wish to refinance an existing property then speak with a Commercial Mortgages experts.

As commercial finance broker’s we have ready access to all the commercial mortgage lenders that are actively seeking to lend, from £50,000 to £30 million. We’re able to access for our clients the most competitive rates in the market with terms up to 30 years.

The types of commercial mortgages are either an Owner Occupier Mortgage or Commercial Investment Mortgage.

An Owner Occupier Mortgage is where the property is used by the business owner to run the business from.

A Commercial Investment Mortgage is where the property is rented out to one or more business tenants, similar to a Buy to Let Mortgage.

What are Semi Commercial Mortgages

Semi-commercial mortgages are similar to commercial mortgages save that the property comprises both commercial and residential parts. Typically this will be a shop/retail unit or office with living accommodation upstairs.

Semi-commercial properties are a great investment opportunity as rental income can be achieved from both the commercial and residential elements, in addition to business owners wishing to live above their work premises.

Typical lending criteria – semi commercial mortgages

  • Up to a maximum of 30 years, dependent on the lender.
  • Maximum loan to value 75%.
  • Maximum age of 85 at the end of the mortgage based on the oldest applicant.
  • Residential space less than 40% of the overall property.

Some benefits of using us

Property valuations, insurances, legal support and much more are available through our Business Support Services.

We will fully package and submit your commercial mortgage proposal to ensure the most competitive rates and terms and ensure that your funding application is processed quickly and efficiently in order that funds are available in the shortest possible time.

Our offer

We offer our clients a true ‘one stop shop’ facility, our core competence is to provide you a fully managed and professional service that secures the most competitive funding offer available from the entire market.

Whatever your property finance requirements, we offer a free, impartial and totally confidential initial consultation and will quickly assess your funding options.

Business Support for Semi Commercial Mortgages

Tax Reclaims brands

Capital Allowances Tax Relief may offset the hidden expenditure in your commercial property. Typically, this includes elements such as air conditioning, wiring, heating, lighting and security systems – essentially everything that would remain in the building if you tipped it upside down!

For more information on Capital Allowances Tax Relief, visit Tax Reclaims, a Wattsford Family Brand.

A government-backed Start Up Loan through the British Business Bank may be available to purchase stock provided that you’re either a start up or have been trading for less than 3 years.

For more information on Start Up Loans, visit Business Starts, a Wattsford Family Brand.

If you are currently occupying a semi-commercial property as a tenant and running a profitable business, then we can offer special rates and generally a higher loan to value.

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