Semi-Commercial Mortgages: Rates, Lenders, Stamp Duty and Criteria

By Jake Stott, Knox Mortgages. Reviewed by an adviser authorised under Fort Advice Bureau, FCA FRN 972730. Published 25 September 2026. Last reviewed 25 September 2026.

A semi-commercial mortgage is a loan secured on a single property that contains both commercial and residential space: a shop with a flat above, an office with a flat behind, a pub with living accommodation. Also called a mixed use mortgage, it sits between buy-to-let and full commercial lending. Expect a 25% to 30% deposit, rates from around 5.2% to 8.6% depending on the lender, and stamp duty charged at the non-residential rates, which on a £400,000 purchase saves roughly £20,000 against a residential investment property.

This guide covers what the ranking pages skip: the residential percentage each lender actually uses, the stamp duty arithmetic, named lender criteria side by side, how the interest cover and debt service calculations work with the numbers shown, why applications get declined, and how a bridge-then-refinance deal is structured. If the property is wholly residential, start with our buy-to-let mortgage guide instead.

What counts as a semi-commercial property?

A semi-commercial property is a building with both a commercial unit and a self-contained residential unit on one title. The commonest examples are a retail unit with a flat above, an office or surgery with residential accommodation, a cafe or takeaway with a flat, a pub or restaurant with owner’s accommodation, and a workshop with a house attached. The residential part needs its own access, kitchen and bathroom for most lenders to count it.

The percentage split decides which lender and which product you get, and every lender draws the line differently. The 40% figure that appears everywhere comes from the FCA: a mortgage is regulated where at least 40% of the property is used as a home by the borrower or their family. Below that, or where nobody connected to the borrower lives there, the loan is unregulated commercial lending. Lenders then apply their own tests on top, by floor area or by value, to decide whether the case belongs on their semi-commercial, commercial or buy-to-let book.

Lender	Test used	Threshold (published intermediary criteria)
FCA regulation	Land used as a dwelling by the borrower	40% or more and borrower lives there: regulated mortgage contract
YBS Commercial	Residential proportion	At least 50% residential to qualify as semi-commercial
Shawbrook	Residential proportion	At least 50% residential for semi-commercial products
Together	Floor area	Commercial space under 60% of floor area (residential 40% or more)
InterBay (OSB Group)	Floor area, including accessible external areas	Residential 40% or less of total square metres is semi-commercial; over 50% residential by value priced on separate products
Allica Bank	Owner-occupied vs investment	No published split test; assessed as commercial investment or owner-occupied

The practical effect: a 60% residential, 40% retail building can be a semi-commercial case at YBS and Shawbrook, a buy-to-let style case at InterBay, and fully eligible at Together. That is why the same property gets three different quotes from three brokers who each only know one lender.

Can you get a mortgage on a shop with a flat above?

Yes. A shop with a flat above is the standard semi-commercial mortgage case and every lender in the table below will consider one, provided the flat is self-contained with its own entrance. Lenders will lend to you as an investor letting both units, as a business owner trading from the shop and letting the flat, or as an owner-occupier living in the flat and trading below.

The route depends on who occupies what. An investor letting both units gets an investment semi-commercial mortgage assessed on the combined rent. A trading business gets an owner-occupier commercial mortgage assessed on the accounts, with the flat’s rent as a secondary income. Someone living in the flat above their own shop needs a regulated semi-commercial product, which fewer lenders offer and which usually caps at 70% LTV. A standard residential lender will not lend on any of these, because the shop is a commercial use on the same title, and a standard buy-to-let lender will decline for the same reason.

How does the stamp duty work on a mixed use property?

A mixed use purchase in England and Northern Ireland is charged at the non-residential SDLT rates: 0% up to £150,000, 2% from £150,001 to £250,000, and 5% above £250,000. The 5% higher rates surcharge for additional residential property does not apply, because the transaction is not wholly residential. Gov.uk defines mixed use as property with both residential and non-residential elements, giving the example of a flat connected to a shop, doctor’s surgery or office. This is the single biggest cost advantage of semi-commercial property over a straight buy-to-let, and it is worth checking with your solicitor before exchange, not after.

£400,000 purchase	Residential BTL (with 5% additional property surcharge)	Mixed use (non-residential rates)
Band 1	£0 to £125,000 at 5% = £6,250	£0 to £150,000 at 0% = £0
Band 2	£125,001 to £250,000 at 7% = £8,750	£150,001 to £250,000 at 2% = £2,000
Band 3	£250,001 to £400,000 at 10% = £15,000	£250,001 to £400,000 at 5% = £7,500
Total SDLT	£30,000	£9,500
Saving	£20,500 on the same price

Two cautions. First, HMRC examines mixed use claims closely, and a flat above a shop that is genuinely let or occupied as a shop is straightforward, while a token commercial element bolted on to a house is not. Second, Scotland uses Land and Buildings Transaction Tax and Wales uses Land Transaction Tax; both have separate non-residential bands and the arithmetic differs. Figures above are the England and Northern Ireland bands as published on gov.uk at the review date. Confirm the figures with your conveyancer.

What are semi-commercial mortgage rates in September 2026?

Semi-commercial mortgage rates currently run from roughly 5.2% to 8.6% a year on term products, with most investment cases pricing between 6% and 7.5%. Shawbrook advertises commercial and semi-commercial rates from 5.24%. InterBay’s published semi-commercial range is 6.04% to 7.69% on two year fixes and 6.39% to 7.44% on five year fixes, reverting to Bank of England base rate plus 4%. Together starts at 8.59% for borrowers with complex income or credit. Bridging on semi-commercial property runs at 0.65% to 1.05% a month.

Product type	Indicative rate	Typical fee	Who it suits
Bank semi-commercial investment (Shawbrook, HTB, Allica, YBS Commercial)	5.2% to 7%	1.5% to 2% arrangement	Experienced investors, clean credit, tenanted units
Specialist semi-commercial (InterBay, Roma, Cambridge and Counties)	6% to 7.7%	1% to 3% (InterBay offers a choice)	Limited companies, first-time landlords, larger loans
Flexible specialist (Together)	From 8.59%	Around 2%	Adverse credit, expats, new businesses using projections
Semi-commercial bridging (Precise, Roma, Masthaven, GB Bank)	0.65% to 1.05% a month	2% facility fee	Vacant units, auction purchases, refurbishment before refinance

Pricing moves with loan size, LTV and the strength of the commercial tenant. A £1m loan at 60% LTV on a unit let to a national retailer on a ten year lease is priced at the bottom of the range; a £200,000 loan at 75% on a vacant takeaway is priced at the top or placed on a bridge. Rates on this page are from lender product guides at the review date and change without notice.

Which lenders offer semi-commercial mortgages and what are their criteria?

Around 25 lenders offer term semi-commercial mortgages in the UK, none of them through the mainstream residential ranges you see on comparison sites. NatWest, Barclays and Lloyds lend through their commercial banking arms to existing business customers; the specialist and challenger banks below take broker cases from anyone who fits the criteria. The figures are from each lender’s published intermediary criteria at the review date.

Lender	Loan size	Max LTV	Term	Notable criteria
Shawbrook	£150k to £35m	75%	3 to 25 years	Rates from 5.24%; 2, 3, 5 and 10 year fixes; individuals, LLPs, limited companies, expats and trusts; interest-only subject to affordability
InterBay (OSB Group)	£125k to £25m	75%	2 to 30 years	ICR 125% at the higher of 5% or pay rate; min property value £150k; no CCJs or defaults in 36 months; first-time landlords accepted; England and Wales only; pubs and petrol stations excluded
YBS Commercial	£400k to £20m	75%	5 to 25 years	At least 50% residential; ICR 125%; DSCR 100% at pay rate plus 1.4% or 7%; min property £135k; personal guarantee £175k or 10% of loan; broker must be NACFB or FIBA
Together	£50k to £5m	70%	6 to 30 years	From 8.59%; commercial under 60% of floor area; adverse credit, expats, foreign nationals and new businesses on projections
Allica Bank	£150k to £15m (investment)	75% investment, 80% owner-occupied	5 year IO or up to 30 years C and I	Debt service cover 130%; 2% fee investment, 1.5% owner-occupied; limited company, LLP, partnership or sole trader with two years’ accounts
Hampshire Trust Bank	£100k to £35m	75%	5 to 30 years	Term rates from 4.99% on the specialist range; semi-commercial sits within specialist buy-to-let; bridging from 0.70% a month
Cambridge and Counties	£150k min (£500k Scotland), £15m per customer	70%	12 months to 25 years	Experienced investors only; 3 and 5 year fixes; UK resident individuals or UK and Crown dependency companies
Aldermore	£3m+ bespoke desk (standard £500k to £3m)	70% semi-commercial, 60% offices	Up to 20 years	2, 3, 5 or 7 year fixes; 2% arrangement fee; EPC F and G excluded; broker panel closed to new members at review date
Roma Finance (RomaPRO)	£75k to £2m	75%	Up to 25 years	Manchester based; England, Scotland and Wales; investors, trading businesses and OpCo/PropCo; semi-commercial bridge at 1.00% a month to 70%
Precise (OSB Group)	From £50k	75% (bridging)	1 to 18 months	Bridging only on semi-commercial; min property £150k; term exit usually placed with sister lender InterBay
Redwood Bank	£250k to £10m	Up to 76.5%	2 to 30 years	Semi-commercial from around 4.84% (tier 1, 50% LTV, 5% fee product); credit-tier priced
Lendco	Not published	Not published	Not published	Public product guides cover buy-to-let and bridging only; semi-commercial by enquiry

Every one of these lenders is on the Knox bridging and commercial desk panel. The criteria change monthly, particularly the ICR floors and the excluded property lists, so we check the live product guide before any application rather than relying on a table, including this one.

How much deposit do you need for a semi-commercial mortgage?

You need a 25% deposit at most lenders, which is 75% loan to value, and 30% at Together, Cambridge and Counties and Aldermore, which cap at 70%. Allica will go to 80% on owner-occupied premises where the business has two years’ accounts. Nobody offers 90% on semi-commercial property, whatever the ads say; the 80% figures you see quoted are the residential element only, blended down by a lower commercial LTV.

The LTV is calculated on the lower of purchase price and valuation, and on semi-commercial property the valuation is the variable. Valuers assess the commercial unit on its rental yield and the flat on comparable sales, then combine them. A shop let on a short lease to a weak tenant will be valued below a shop let for ten years to a national chain, even if the rent is identical. InterBay values on vacant possession, which is lower again. So a 25% deposit on the price can become a 30% deposit on the valuation, and that gap has to come from you. Deposits can come from savings, equity released from other property by remortgage, or director’s loans into a company; gifted deposits are accepted by fewer lenders than in residential lending.

How is income assessed on a semi-commercial mortgage?

Lenders assess income on a semi-commercial mortgage in one of three ways depending on who occupies the building: on the leases for an investment case, on the business accounts for an owner-occupier, and on a blend for mixed occupation. Which method applies decides how much you can borrow, so it is the first thing a broker establishes.

Occupation	Income used	What the lender checks	Typical cover test
Investment: both units let	Commercial lease rent plus residential AST rent	Lease length, break clauses, tenant covenant, rent history; AST at market rent	ICR 125% at a stress rate, or DSCR 1.0x to 1.3x on repayment
Owner-occupied: you trade from the commercial unit	Business net profit or EBITDA, plus the flat’s rent	Two years’ accounts, management figures, bank statements, the flat’s AST	Debt service cover 125% to 130% of the loan payment from EBITDA
Mixed: you live upstairs and trade below	Business profit as personal income	Affordability on a regulated basis, income and expenditure	Regulated affordability model; 70% LTV cap common

Commercial lease income is only counted where the lease has enough term left, usually three years or more, and where rent has been paid for at least 12 months. A lease with a tenant break clause inside the mortgage term is treated as ending at the break. Residential AST income is counted at the valuer’s market rent, not the passing rent, so an under-rented flat costs you borrowing. Some lenders, InterBay included, treat the residential rent as the primary income and add the commercial rent only when the lease qualifies.

A worked semi-commercial mortgage example with the ICR and DSCR arithmetic

Take a shop with a flat above in Stockport, purchase price £400,000, bought by a limited company as an investment. The shop is let to a barber on a five year lease at £18,000 a year. The flat is let on an AST at £900 a month, £10,800 a year. Total income £28,800. The client wants the maximum loan, and the lender caps at 75% LTV, so the target is £280,000 with a £120,000 deposit.

Interest cover ratio (interest-only test). The lender’s rule is 125% cover at the higher of 5% or the pay rate. The pay rate on a five year fix is 6.79%, so the stress rate is 6.79%.

• Annual stressed interest: £280,000 x 6.79% = £19,012
• Required rent: £19,012 x 1.25 = £23,765
• Actual rent: £28,800. Passes with £5,035 of headroom.
• Maximum loan on this rent: £28,800 / 1.25 / 0.0679 = £339,322, so the 75% LTV cap of £280,000 binds first.

Debt service cover ratio (repayment test). A bank lending on capital and interest tests the actual repayment instead. YBS Commercial, for example, wants 100% cover at the pay rate plus 1.4% or 7%, whichever is higher.

• Stress rate: 6.79% + 1.4% = 8.19%, above the 7% floor, so 8.19% applies
• Monthly repayment on £280,000 over 20 years at 8.19%: £2,375; annual £28,500
• Rent £28,800 / £28,500 = 1.01x. Passes 100% cover, but only just.
• To hit a 125% DSCR the loan would need to fall to about £226,000, or the term stretch to 25 years, where the payment drops to £2,196 a month and cover rises to 1.09x.

Same property, same rent: the interest-only lender offers £280,000 and the repayment lender offers around £226,000 at the same cover standard. That £54,000 difference is why product structure matters more than headline rate on semi-commercial deals, and why the cheapest rate is often not the biggest loan.

Should you buy semi-commercial property through a limited company?

Most investors should, and most lenders prefer it. A limited company or SPV pays corporation tax on rental profit at 19% to 25% and deducts all of its mortgage interest, whereas an individual pays income tax at up to 45% with mortgage interest relief restricted to a 20% credit under Section 24. On a £28,800 rent with £19,000 of interest, a higher rate taxpayer keeps roughly £5,800 more a year through a company before extracting the profit. The rules and worked comparisons are in our limited company buy-to-let mortgage guide.

On the lending side, Shawbrook, InterBay, YBS Commercial, Allica, Cambridge and Counties and Roma all lend to limited companies and LLPs, and Allica lends only to companies, partnerships and sole traders. Expect a personal guarantee from each director, usually for 100% of the loan at specialist lenders and a minimum of £175,000 or 10% at YBS Commercial, and independent legal advice on that guarantee, which adds a week and £300 to £500. Trading businesses buying their own premises often use an OpCo/PropCo structure: the property company owns the building and leases it to the trading company, which Roma and Shawbrook underwrite as a standard case. Take tax advice before you complete; it is expensive to move a property into a company later because SDLT is charged again on the transfer.

What happens if the commercial unit is vacant?

A vacant commercial unit takes most term lenders off the table and moves the case to bridging. Term lenders lend against income; with no lease there is no commercial income to underwrite, and the valuer will apply a vacant possession value that is typically 10% to 20% below the let value. InterBay bases its LTV on vacant possession value in every case, which is how it manages the risk on units that fall empty later. A few lenders will lend on the residential rent alone where the flat covers the whole loan at 125%, which usually means a low LTV.

The workable route is a semi-commercial bridging loan at 65% to 70% of value, priced at 0.65% to 1.05% a month, giving you 6 to 12 months to let the unit on a proper lease. Once the tenant has paid three to twelve months’ rent, the case refinances onto a term product on the let value. Our commercial bridging loan page covers pricing and criteria, and the bridging loan calculator shows the total cost of the bridge period.

How does a bridge-then-refinance deal work on semi-commercial property?

Bridge-then-refinance means buying with a short-term bridging loan, sorting whatever stops a term lender lending, then remortgaging onto a semi-commercial mortgage within 6 to 18 months. It is the standard structure for auction purchases, vacant units, properties needing refurbishment, and buildings where the flat is not yet self-contained. The bridge is priced on the property and the exit, not on the current income, which is why it works when term lending does not.

Typical sequence: buy at auction for £300,000 on a bridge at 70% (£210,000) with £90,000 of your own money, spend £40,000 separating the flat with its own entrance and refitting the shop, let both units, and after six months of rent refinance at 75% of a new £420,000 valuation (£315,000), repaying the bridge, the works and most of the deposit. Our auction finance and bridge to let mortgage pages cover each stage. Two rules: agree the exit lender before you take the bridge, because a bridge without a confirmed exit is how investors end up paying 1% a month for two years, and keep the refurbishment invoices, because the exit lender’s valuer will ask what was spent.

Why do semi-commercial mortgage applications get declined, and how do you fix them?

Semi-commercial applications get declined for property reasons far more often than borrower reasons. The five that recur across our desk, with the fix for each:

Decline reason	Why the lender says no	Fix
Flat not self-contained	Shared entrance through the shop or no separate kitchen; lender cannot separate the residential value	Create a separate entrance and facilities on a refurbishment bridge, then apply for term
Commercial lease too short or with a break	Lease income not countable; loan fails ICR on residential rent alone	Negotiate a lease extension or renewal with the tenant before application, or price on bridging until renewed
Excluded commercial use	Pubs, petrol stations, arcades and heavy industrial sit on most exclusion lists (InterBay excludes pubs outright)	Place with Together, Proplend or a bank that takes the sector; expect 60% to 65% LTV
Valuation below purchase price	Valuer applies vacant possession or yield basis; LTV moves above cap	Increase deposit, challenge with comparable lettings evidence, or switch to a lender valuing on investment basis
Wrong lender for the split	Residential 60% by area at a lender needing 40% or less, or commercial 65% at a lender capping commercial at 60%	Match the split to the lender’s test before applying; a broker does this on day one

Adverse credit is the one borrower-side decline that matters. InterBay wants no CCJs or defaults in 36 months and no missed secured payments in 12; Together and some bridging lenders take defaults and CCJs with a lower LTV and a higher rate. EPC ratings of F and G are excluded at Aldermore and will be a problem everywhere as minimum standards tighten. A declined application also leaves a search footprint, so the order matters: criteria check, then valuation, then application.

Are semi-commercial mortgages regulated?

Most semi-commercial mortgages are not regulated by the FCA, because the borrower does not live in the property. The loan becomes a regulated mortgage contract where the borrower or a family member occupies at least 40% of the property as a home, for example living in the flat above their own shop. Regulated semi-commercial lending has a smaller lender pool, an affordability assessment based on your income rather than the rent, and a lower LTV cap, but it also carries the consumer protections of the FCA’s mortgage rules.

Knox Mortgages advises on both. Where the case is unregulated, the advice is still given by an FCA authorised firm and the lender is still a regulated bank; what changes is the legal basis of the loan, not the standard of the advice. If a broker tells you semi-commercial “is not regulated so anyone can do it”, that is a reason to use a different broker.

How long does a semi-commercial mortgage take?

Plan for 6 to 10 weeks from application to offer on a purchase, and 8 to 14 weeks to completion. InterBay publishes its own targets: agreement in principle reviewed in one working day, initial underwriting in two, formal offer in two, but those are lender processing times and the delay sits elsewhere. Commercial valuations take 2 to 3 weeks to instruct and report because the valuer needs the lease, the rent history and comparable lettings. Legal work is heavier than residential: the lease is reviewed, the title is checked for user restrictions, and company borrowers need independent legal advice on guarantees.

Remortgages of a tenanted building with a clean lease and a current AST are quicker, often 4 to 6 weeks to offer. Bridging on semi-commercial completes in 2 to 4 weeks. The avoidable delays are always the same: a lease that has not been signed, a flat that does not match the floor plan, and a case placed with a lender whose criteria it never met. Our mortgage timeline guide sets out each stage.

An anonymised Knox semi-commercial case

Illustrative and anonymised. A client who already owned three single lets through a limited company bought a mid-terrace unit in Bolton with a hairdresser on the ground floor and a two-bedroom flat above for £265,000. The hairdresser had eight years left on a ten year lease at £14,400 a year; the flat was empty, with access through the salon’s back corridor. Two lenders declined at agreement in principle stage because the flat was not self-contained.

We placed it on a semi-commercial bridge at 70% of value, £185,500 at 0.89% a month, and the client spent £22,000 creating a separate rear entrance and a new kitchen. The flat let at £825 a month within three weeks. Seven months after purchase, with the salon lease unchanged and the AST paid up, a specialist bank refinanced at 75% of a £318,000 valuation on an investment basis: £238,500 on a five year fix at 6.49%, interest-only, passing ICR at 1.57x. That repaid the bridge and the works and returned £31,000 of the deposit. Stamp duty on the purchase was £2,750 under the non-residential bands, against £16,500 had it been assessed as a residential additional property. Same building; the bridge structure released £31,000 and the stamp duty position saved £13,750, around £45,000 between them.

How does a semi-commercial mortgage compare with an HMO or standard buy-to-let?

A semi-commercial mortgage differs from a standard buy-to-let mortgage in the deposit, the pricing, the stamp duty and the income test, and it differs from an HMO mortgage mainly in the type of tenant risk. The table below sets the three side by side.

Factor	Standard buy-to-let	HMO mortgage	Semi-commercial mortgage
Lenders available	60+	Around 20	Around 25, none mainstream residential
Typical maximum LTV	75% to 80%	75%	70% to 75% (80% owner-occupied at Allica)
Indicative rate	Baseline	+0.3% to +1%	+1% to +2.5%
SDLT on £400,000 (additional property)	£30,000	£30,000	£9,500 (mixed use)
Income test	ICR 125% to 145%	ICR 125% to 175%	ICR 125% or DSCR 1.0x to 1.3x, lease quality assessed
Main risk	Void and arrears	Licencing and management	Commercial void; lease covenant
Regulated?	No (unless family let)	No	Only if you live in the residential part

Investors who want the yield of a mixed-use building without the commercial void risk often compare it with a licenced HMO, which produces similar gross yields from residential tenants only. Our HMO mortgage guide covers that route in the same depth.

Semi-commercial mortgage frequently asked questions

What is the minimum deposit for a semi-commercial mortgage?

25% at most lenders, which is 75% loan to value. Together, Aldermore and Cambridge and Counties cap at 70%, so 30%. Allica lends to 80% on owner-occupied premises with two years’ accounts. Deposits are measured against the lower of price and valuation, and semi-commercial valuations frequently come in below price.

Can I get a semi-commercial mortgage as a first-time landlord?

Yes, at InterBay, Together and Shawbrook, subject to the rent covering the loan and the commercial tenant being established. Cambridge and Counties lends only to experienced investors, and most banks want to see a track record on larger loans. Owner-occupier cases need two years of trading accounts in the business rather than landlord experience.

Do I pay the 5% stamp duty surcharge on a shop with a flat above?

No. A genuine mixed use purchase in England and Northern Ireland is charged at the non-residential SDLT rates of 0%, 2% and 5%, and the additional property surcharge does not apply. On £400,000 that is £9,500 rather than £30,000. HMRC scrutinises claims where the commercial element is token, so the shop needs to be a real commercial unit.

Can I live in the flat above my shop and get a semi-commercial mortgage?

Yes, but the loan becomes FCA regulated because you occupy at least 40% of the property as your home. Fewer lenders offer regulated semi-commercial mortgages, the assessment is on your personal income rather than rent, and LTV is usually capped at 70%. Together is the most flexible lender for this case.

Do high street banks like NatWest offer semi-commercial mortgages?

NatWest, Barclays, Lloyds and HSBC lend on semi-commercial property through their commercial banking teams, usually to existing business customers with strong accounts, and rarely through brokers on small investment cases. The broker market is Shawbrook, InterBay, YBS Commercial, HTB, Allica, Together, Cambridge and Counties, Roma and similar specialist banks.

What is a good rate for a semi-commercial mortgage?

Between 5.5% and 7% on a term product for a clean investment case at 65% to 75% LTV in September 2026. Below 5.5% needs low leverage and a strong tenant; above 7.5% usually reflects adverse credit, a weak lease or a small loan. Compare on total cost including the 1% to 3% arrangement fee, not the headline rate.

Can I get a semi-commercial mortgage with bad credit?

Yes, at Together and a handful of bridging lenders, with a lower maximum LTV and a higher rate. InterBay requires no CCJs or defaults in the last 36 months and no missed secured payments in 12; Shawbrook and the banks take a similar line. Recent bankruptcies and IVAs restrict the market to bridging.

Can I convert the shop into a flat after buying?

Often, under Class MA permitted development from commercial (Class E) to residential, subject to prior approval and local restrictions such as Article 4 directions. Tell the lender before you apply: converting to fully residential changes the security, and the sensible structure is a bridge for the works followed by a standard buy-to-let remortgage on the finished flats.

Speak to a Manchester semi-commercial mortgage broker

Knox Mortgages is a whole-of-market broker with a dedicated bridging and commercial desk and a lender panel of more than 100 short-term and specialist lenders. We place semi-commercial purchases, refinances and bridge-to-term deals for first-time investors through to portfolio landlords and trading businesses buying their own premises, and we tell you before you pay a valuation fee which lender’s split test, ICR and exclusion list your property passes.

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