We provide specialist mortgage advice for clients purchasing, refinancing or restructuring semi-commercial (mixed-use) properties. Semi-commercial properties typically combine residential and commercial elements within the same title and require specialist lender assessment.

We work with lenders experienced in semi-commercial lending to help structure applications correctly and identify suitable funding solutions based on the property, income profile and ownership structure.

All advice is provided subject to current lender criteria and individual circumstances.

Our Semi-Commercial Mortgage Services Include

  • Mixed-Use Properties

    Mortgage advice for properties with both residential and commercial elements, such as shops with flats above or commercial units with residential accommodation.

  • Investment & Owner-Occupied Lending

    Funding solutions for both investor-owned and partially owner-occupied semi-commercial properties, subject to lender criteria.

  • Limited Company & SPV Borrowing

    Advice for clients borrowing through Ltd Companies or SPVs, including newly formed entities, subject to lender acceptance.

  • Purchases, Remortgages & Capital Raising

    Support for acquisitions, refinances and capital restructuring, subject to valuation, affordability and lender underwriting.

iStock-1399807307
iStock-1732036455

How Semi-Commercial Mortgages Are Assessed

Semi-commercial mortgage applications are typically assessed on factors including, but not limited to:

Proportion of residential versus commercial use

Rental income and sustainability from all elements

Property type, location and condition

Lease terms and tenant covenant (where applicable)

Borrower experience and financial position

Lenders may assess the residential and commercial elements differently, even where held under a single title.

Important Use, Planning & Valuation Disclaimer

Semi-commercial properties must meet lender requirements relating to permitted use, planning consent and valuation methodology. Some lenders apply minimum or maximum thresholds on the commercial element of a property.

We do not provide legal, planning or tax advice and recommend clients obtain independent professional advice to confirm compliance with all relevant regulations before proceeding.

Why Use a Specialist Semi-Commercial Broker

Semi-commercial lending involves more complex underwriting than standard residential or buy-to-let mortgages and is typically considered on a case-by-case basis.

We offer access to specialist semi-commercial and mixed-use lenders, experience with a wide range of mixed-use property types, guidance through valuation and underwriting, and clear, structured advice from enquiry to completion.

Mortgage availability, rates and terms are subject to lender assessment and underwriting.

Who We Work With

We work with:

  • Property investors and portfolio landlords
  • Business owners with mixed-use premises
  • Limited company and SPV borrowers
  • Clients refinancing or restructuring semi-commercial loans

Not all applicants or properties will qualify. Each case is assessed individually.

iStock-2188375664

Regulatory & Advice Disclaimer

Your property may be repossessed if you do not keep up repayments on your mortgage.
Semi-commercial mortgages are subject to lender criteria, valuation and underwriting.
Interest rates, terms and lending criteria may change without notice.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

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

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

Lawson Financial Ltd is a broker and not a lender

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

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

© 2026 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy | AI Policy |

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.

© 2026 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy | AI Policy |

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.