Charles Street Finance 0161 333 1981 Loan enquiry
Products  /  Semi-Commercial Loans

Flexible finance for mixed-use property.

A shop with a flat above, offices over retail — traditional lenders see higher risk; we see opportunity. Funding for properties that combine residential and commercial space.

Enquire now Estimate a payment
£100k – £5m+ From 8.49% pa Up to 70% LTV 5–30 year terms
Semi-commercial property
What we fund

Mixed-use properties we support

Ideal for investors and business owners alike.

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Shop with flat above
The classic mixed-use asset — retail below, residential above.
02
Offices over retail
Multi-tenure buildings combining commercial floors and living space.
03
Investor acquisitions
Purchase finance for income-producing mixed-use assets.
04
Owner-occupiers
Business owners buying premises with residential elements.
05
Portfolio refinance
Restructure existing mixed-use holdings on better terms.
06
Repositioning projects
Change-of-use or reconfiguration to unlock value.
Why Charles Street

Lending where high-street banks hesitate

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Terms from 5 to 30 years
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Rates from 8.49% pa
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Up to 70% Loan-to-Value
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Loans from £100,000 to £5 million+
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Ideal for investors and business owners
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Cases mainstream lenders view as higher risk, assessed on merit
Client meeting
Semi-commercial finance

Frequently asked questions

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A building that combines both residential and commercial spaces, such as a shop with a flat above it. Also known as a mixed-use property, distinct from purely commercial or residential buildings.
A funding solution for properties containing both commercial and residential components. Traditional lenders often view these as higher risk, making standard mortgages harder to secure — we assess each case on its merits.
Loans from £100,000 to £5 million+, with larger loans considered by referral.

Got a mixed-use opportunity?

Every case assessed on its own merits — indicative terms within 4 hours.

Call 0161 333 1981 Enquire now