Semi-Commercial Bridging Loans

Mixed-use properties — a shop with a flat above, a pub with residential accommodation, an office building with a ground-floor retail unit — sit between standard residential and commercial lending. Many high-street lenders struggle with these assets because they don't fit neatly into a single underwriting box. At Berkeley Credit, we specialise in exactly this type of deal.

Our semi-commercial bridging loans combine elements of both residential and commercial underwriting, allowing us to assess the property holistically. We look at the overall asset value, the mix of uses, and your exit strategy — whether that's refinancing onto a longer-term mortgage, selling, or converting the property to a single use. Loans are available up to 65% LTV with rates from 0.95% per month.

Key Features

• Completion in as little as 7 days
• Decisions within 24 hours
• Up to 65% LTV on semi-commercial property
• Rates from 0.95% per month
• Mixed-use properties assessed holistically
• Self-employed borrowers welcome
• Poor credit history considered
• Maximum borrower age of 85

Who Is This For?

Semi-commercial bridging is ideal for investors acquiring mixed-use assets at auction or through private sale, landlords looking to refurbish a property with both residential and commercial tenants, and business owners purchasing premises that include living accommodation. It also suits borrowers planning to convert a mixed-use building — for example, converting upper-floor commercial space into flats while retaining the ground-floor shop — where you need short-term finance before the completed project qualifies for a standard mortgage.

Rates & Costs