Semi Commercial Mortgages
Semi Commercial Mortgages – Semi-commercial mortgages are mortgages designed for properties that are semi-commercial and semi-residential. Typical examples include a shop or restaurant with a flat above it, a business office attached to the property or using the home for a business such as bed and breakfast. Many investors who were formerly into buy to let properties are now also moving into semi commercial properties to capitalise on potential income from letting the commercial shops out whilst receiving rental income from the tenants living above.
Lenders of semi-commercial mortgages may specify the maximum percentage of the property which can be used for commercial purposes. Alternatively, semi-commercial mortgages may be treated primarily as a standard commercial mortgage and lenders may limit the proportion of the property that is for residential use. With a range of products and lending criteria, finding suitable semi commercial mortgages can be difficult. Our advisers at Capital Fortune can use our knowledge of the mortgage market and expertise to arrange the most competitive deals for you.
Our brokers will not only advice you on headline grabbing rates but we will compare these advertised semi commercial mortgages with the overall mortgage set up fees. Our brokers can therefore assist you by finding the right rate, with the right lender and most importantly at the right time for your circumstances. In doing so, we are confident we will provide you with a recommendation that is absolutely right for you, based on your own needs and requirements.
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The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.