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Unlock value in semi-commercial properties

Unlock opportunities with tailored semi-commercial property finance. Flexible lending designed for mixed-use investments, combining residential and commercial potential, enabling investors to maximise returns with confidence, expert support, and smart funding solutions. 

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Flexible finance for semi-commercial properties

Semi-commercial properties offer investors a unique opportunity to diversify and maximise returns by combining residential and commercial elements within a single asset. These properties often provide stronger, more stable rental yields, with commercial tenants typically securing longer leases, while residential units add consistency and flexibility of demand.  

They can also offer enhanced capital growth potential, as mixed-use spaces are increasingly sought after in thriving urban and suburban locations. Tailored finance solutions for semi-commercial investments provide flexibility, enabling investors to unlock value, optimise cash flow, and build a balanced portfolio with both security and growth opportunities. 

Key lending criteria

  • Loans from 拢1m up to 拢20m  
  • Up to 75% LTV for semi-commercial properties where the rental of the residential income is greater than 55% 
  • Fixed & variable rate options: 2, 3, or 5 years  
  • Rental calculation: based on combined rental income across residential & commercial elements providing the commercial element has 6 months+ on the lease  
  • Flexible terms: up to 30 years  
  • Lending across England, Scotland & Wales  
  • No maximum age for limited companies  
  • Available to individuals, limited companies, special purpose vehicles, and trusts  
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Why borrow with us?

Diversified income streams  

Combines residential and commercial rental income, providing stability and resilience against market fluctuations

Enhanced rental yields

Commercial tenants often secure longer leases, boosting overall returns compared with purely residential properties

Capital growth potential

Semi-commercial properties are increasingly sought after, offering strong long-term appreciation opportunities

Flexible financing options

Tailored lending solutions allow investors to unlock value, optimise cash flow, and grow their portfolio effectively


Additional highlights

Specialist semi-commercial expertise

We understand complex multi-tenant lending, ensuring accurate, efficient decisions for your clients鈥� investments

Portfolio diversification

Exposure to multiple asset types may reduce overall investment risk

Strategic location advantages  

Often located in high-traffic or regenerating areas, increasing attractiveness to tenants

Long-term tenant stability

Commercial units frequently have multi-year leases, which lowers vacancy risk

Flexible use options

Spaces can be adapted to changing market demands (retail, office, residential)

Resilience in economic shifts

Mixed-use properties often outperform single-use assets during market volatility

Value-add potential

Opportunities for refurbishment or reconfiguration can increase rental income and capital value

Strong demand from investors

Growing interest in mixed-use assets supports liquidity and exit options


With flexible lending, customised terms, and specialist support, we help your client unlock the potential of semi commercial properties.  

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Why invest now?

Demand for mixed-use spaces is rising, driven by shifting lifestyles, urban regeneration, and evolving retail and residential needs. These properties generally offer stronger yields than purely residential assets and greater resilience than standalone commercial spaces.  

Tailored finance options further enhance flexibility, enabling investors to seize opportunities in a market where competition is increasing. Investing now allows you to secure prime assets and position your portfolio for long-term success. 

Semi-commercial property frequently asked questions

Eligible properties include mixed-use buildings such as retail with residential units, offices with apartments, or other semi-commercial assets that combine living and business space.

We lend up to 拢20m, with maximum LTV of 75% residential or 65% commercial properties. Terms run between 3鈥�18 months, and we consider applications from individuals, companies, SPVs, LLPs and trusts subject to meeting our underwriting requirements. 糖心Vlog only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

We provide loans up to 拢20 million, ideal for substantial property purchases and portfolio expansion.

Yes, we lend on residential, semi commercial, and mixed-use properties, offering flexibility for varied portfolios.

Absolutely 鈥� we support lending to personal names, limited companies, trusts, and family partnerships.

Foreign nationals can invest in standard residential units, as well as HMOs, Multi-Unit Blocks, and semi-commercial properties. We understand that international investors are often looking for higher-yielding or more diverse assets and we can find a solution for all eventualities.

Yes 鈥� we lend against a range of property types including residential, semi-commercial, fully commercial and mixed-use developments.