Get a quote

Shops, flats under one roof.

Schemes where high-street lenders draw the line between residential and commercial. We underwrite the whole asset on its merits, not just the easy half.

Get an indicative quote Product guide
Shopfronts with flats above on a Camden high street
Mixed use · up to 70% LTV
Loan size
£250k – £1.5m
Term
3 – 12 months
LTV
up to 70%
Rates from
0.79% / month
Exit fees
None
Geography
England
Security
1st charge + Ltd Co. debenture & PG
Borrower
Ltd Co., LLP or sole trader

What we lend on.

We’re specific about what we do. If your deal isn’t on the list, ask anyway. We’ll tell you straight.

  • Shop & uppers

    Ground-floor retail with self-contained flats above.

  • Pub & uppers

    Trading or vacant pubs with residential potential.

  • Live-work

    Workshops, studios and live-work units.

  • Part-let buildings

    A mix of leases, tenancies and licences.

  • Re-positioning

    Converting the commercial element to residential.

  • Air rights

    Adding storeys above existing commercial space.

Where we generally don’t lend

  • Schemes where a loss-making commercial element dominates the value
  • Residential elements on leases of under 50 years
  • Ground-up development with no existing structure

Recent deals. Real outcomes.

All projects

Three steps. One person.

  1. 4 hrsto an indication

    Talk to our team

    Speak with one of our dedicated experts, who will assess your needs and guide you through the process.

  2. 1named contact, start to finish

    Complete a simple application

    Fill out our streamlined form with the essential details, for a fast and tailored review of your deal.

  3. 2–3 wkstypical drawdown

    Receive a swift decision

    Terms confirmed in writing, then funds released on completion, with the same person on your file throughout.

Mixed use questions.

How do you value a mixed-use building?

We instruct a valuer to report on the whole asset, apportioning between the elements where useful. The lower of bricks-and-mortar or investment value drives the advance.

What if the commercial element is vacant?

That’s fine. We’ll take a view on the residential value with an allowance for the vacant space. Often the cleanest plan is to convert it.

Will a 1st charge be enough?

For a sole trader or LLP, usually. Every loan to a limited company also needs a debenture and a personal guarantee.

Other sectors

Got a mixed use deal? Let’s talk.

Send us the headline numbers and we’ll come back within four working hours with indicative terms, or tell you straight if it’s not for us.

Start an enquiry I’m an intermediary