Intermediaries

Unregulated Semi-commercial mortgages.

Helping to support your clients with mixed-use properties. Including:

  • Property investors
  • Business owners and self-employed individuals
  • Limited companies, partnerships and sole traders
  • Foreign nationals and expatriates.
A close up shot of flats above shops on a main road.
A woman smiling whilst on her phone writing down in a notepad in her gardening business.

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

  • 7.99%

    Rates from 7.99%
  • 65%

    Borrow up to 65% of the property's value
  • £50K - £1.5m

    Loans from £50K - £1.5m

A wide shot of flats above shops.

A customer we’ve been able to help

At Together, we work at speed and with common sense. This means that, when other lenders can’t help because of their processes or criteria, we can often provide the solution your client needs, in the timeframe they need. For example:

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.

Looking for more? Explore our Resource Hub.

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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.

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