Case Study

Semi-Commercial Property

Client Profile

  • Entity: Two Co-Directors purchasing first property via a Limited Company
  • Property: A retail shop with a self-contained residential flat above
  • Location: London
  • A cost sensitive budget.
  • Required the freedom to redevelop the site using existing planning permission.
  • No requirement to be tied to the bank where they do their business banking.

The Challenge

Redevelopment Restrictions

Finding a lender that allows redevelopment as a condition of the loan.

Residential Rental Proportion

A significant hurdle was the split between residential and commercial rental income. Some lenders require at least 70% of total rent to be residential, which this property did not meet.

Strict Security

Finding a lender that is willing to waive Personal/Director Guarantee.

The Solution

We have conducted extensive research to find a lender who has focus and expertise in Semi-Commercial Properties lending.

By leveraging our direct connections with Business Development Managers (BDMs), We successfully secured a 2-year fixed-rate semi-commercial mortgage that meet our clients’ goals.

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