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Semi Commercial Mortgages

Semi-commercial properties are treated by financial institutions as a commercial mortgage proposition, even though a certain percentage of the transaction involves a residential  property element. 

Examples of semi-commercial properties include a shop with a flat above it or a residential property that has been partly converted into a public house.  Here the purchaser will be buying the complete unit, i.e. the commercial and residential elements.

We can help provide the finance for all sorts of semi commercial transactions, whether it is a showroom with a luxury apartment above or a newsagents with a small studio flat above.

As a business buying a semi commercial property you can expect to pay in region of Bank Base rate + 1% to 3%. 

The maximum loan to property value available for this type of purchase is generally around 85%. The maximum term of a semi-commercial business mortgage is usually 30 years.

If you are interested in obtaining a quote for a semi-commercial mortgage, please call our Commercial Mortgage team on:

0845 257 2492

Or apply online now for a no obligation quote.

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We can arrange commercial mortgages for up to 85% of the property value irrespective of past credit problems or if you have no accounts available.

Adding existing debt to your mortgage will increase both the repayment term and the overall cost. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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Stirling Mortgage Network Limited is a company registered in England no. 04405935. Registered Office: Fairstowe Chambers, Library Road, Ferndown, Dorset, BH22 9JW. Stirling Mortgage Network Limited is authorised and regulated by the Financial Services Authority FSA Reg. 301049. This site is directed only at persons in the UK. Calls to Stirling Mortgage Network Limited will be recorded for training and monitoring purposes. Investment mortgage contracts are not regulated by the Financial Services Authority. A broker fee is chargeable on completion depending on your circumstances, however this fee will be no more than 3% of the loan amount (subject to a minimum of £950). Early repayment charges will apply. These charges vary depending on the mortgage you choose. For full details please ask for a personalised illustration.