Semi-Commercial Mortgages
Semi-commercial properties combine residential and commercial elements, requiring specialised mortgage solutions that reflect both.
At Westminster Finance, we connect investors and business owners with tailored, competitive finance options designed specifically for mixed-use properties.
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What are Semi-Commercial Mortgages?
Semi-commercial properties such as a shop with a flat above or a pub with landlord accommodation don’t fit neatly into standard residential or commercial mortgage categories. That’s why we specialise in sourcing tailored finance solutions specifically designed for mixed-use buildings.
At Westminster Finance, we partner with lenders who understand the unique complexities of semi-commercial property and provide mortgage products that reflect both its residential and commercial value and potential.
Competitive rates starting from 5.75%
Borrow up to 75% loan-to-value (LTV)
Choose from interest-only or capital repayment options
Suitable for SPV, limited company, or personal ownership
Access to a wide network of specialist lenders
No upfront broker fees required
FINANCE DEALS
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
Why Clients Trust Westminster Finance
With the right guidance, bridging loans can be a powerful, flexible, and cost-effective solution for a wide range of property transactions.
Here are three reasons why clients consistently choose and trust us.
Market-Leading Rates
We provide access to market-leading rates for every client, thanks to our relationships with close to 100 bridging lenders.
Multi-Award-Winning Team
Fully Independent
Our Experts
Fergus Allen
Head of Bridging CeMAP
Mathew Phillips
Senior Finance Broker CeMAP
Paige Dumpleton
Finance Broker CeMAP
How We Work
1. Get a Tailored Quote
Our bridging specialists will carefully review your plans and provide an honest, expert assessment. You’ll receive an overview of achievable terms, cost estimates, and whether bridging finance is the most suitable option for your situation.
2. Secure a Decision in Principle
Within 24–48 hours, we’ll obtain a Decision in Principle from a trusted lender. This strengthens your position with estate agents and sellers, and if needed, we’ll speak directly with them to support your case.
3. Submit Your Application
Once your offer is accepted, we’ll handle the full application process. From valuations to legal checks, we coordinate with all parties to ensure everything moves swiftly and smoothly.
4. Receive Your Funds
You’ll be kept informed at every step until the funds are released and your purchase is complete. Even after completion, we remain on hand to support you throughout your loan term.
Ready to move fast on your next property opportunity?
Let us help you explore whether bridging finance is the right fit. Our experts will guide you every step of the way handling the details so you can focus on your goals.