Unregulated Semi-commercial mortgages.
- Property investors
- Business owners and self-employed individuals
- Limited companies, partnerships and sole traders
- Foreign nationals and expatriates.
Semi-commercial mortgages that meet your clients’ needs
If your client is looking to buy a mixed-use property for residential and commercial purposes, our semi-commercial mortgages are on hand to help.
With versatile criteria covering a range of property types and business cases, large loan sizes and competitive LTVs, and flexible repayment and term options, we can make the quick decisions you need for your client.
Whether they have a shop with flats above, a takeaway, or even a hair salon, all we require is that less than 50% of the combined floor space is used for commercial purposes.
Key product information
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Income sources
We accept many income sources for our affordability assessment, including earned, rental, benefit and pension income. -
Projected income
We can use projected income certified by an appropriately qualified accountant. -
Customer types
We help trading businesses (and new startups), foreign nationals, expats, companies with complex structures, and more. -
Property types
Hairdressers, takeaways, shops – we can lend on most semi-commercial properties.
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7.79%
Rates from 7.79% -
70%
Borrow up to 70% of the property's value -
£50K - £5m
Loans from £50K - £5m
Useful guides and information
A customer we’ve been able to help
The owner of a trading business was looking to convert the first floor of their property into several studio apartments and was rejected by other lenders due to individual units being too small. As less than 50% of the space was used for commercial purposes, we were happy to receive and accept their application.
Downloadable documents for packagers
| Document name | File download |
| Packaging Criteria Guide - Commercial Finance |  |
| Document name | File download |
| Submission Checklist - Unregulated Commercial Term | |
| Document name | File download |
| Guide to applications from oversea investors | |
| Guide to completing an Accountants certificate | |
| Guide to getting started on My Broker Venue | |
| Guide to Property Type criteria definitions | |
| Independent Legal Advise (ILA) - Why and when it's needed? | |
| Internal Legal Process - How to fund cases quickly | |
| My Broker Venue - Application Referral Guide | |
| Process map all properties over 500k – purchase refinance capital raise lease extensions | |
| Process map all properties under 500k – purchase refinance capital lease extensions | |
| Process map all properties under 500k – purchase refinance capital raise ltd cos | |
| Process map all properties under 500k – purchases in personal name and ltd cos | |
| Submitting an A* Legal Charge document | |
| Top tips - get your unregulated cases funded more easily | |
Looking for more? Explore our Resource Hub.
Related videos
Unregulated semi-commercial mortgages
What do we consider as ‘semi-commercial’ at Together?
A property consisting of both a Commercial and Residential element. The Commercial element must be less than 50% of floor space across the Semi-Commercial property and the commercial use of the property must be typically for retail use.
Who can apply for a semi-commercial mortgage?
We take applications from:
- Property investors
- Business owners
- Self-employed applicants
- Limited companies, partnerships and sole traders
- Foreign nationals and expatriates.
How much can my client borrow on a semi-commercial mortgage and what interest rates do you offer?
Our criteria caters to a wide range of loan amounts, please see our product guides for how we can support your customer.
Can my client get a semi-commercial mortgage if they have bad credit?
Yes – we take a common-sense lending approach, meaning we consider applications based on your client’s overall financial situation, not just their credit score.
