The Requirement
An experienced buy-to-let landlord was looking to expand their portfolio beyond traditional residential investments and purchase their first semi-commercial property.
The target property comprised two residential flats above a ground-floor commercial unit, providing an opportunity to diversify income streams and broaden the client’s investment portfolio.
The Challenge
The client required funding that would support the purchase while maintaining flexibility and affordability over the long term.
As with many semi-commercial transactions, securing the right lender was key to ensuring that the property type and investment strategy aligned with the lender’s criteria.
The Solution
Following a review of the client’s requirements, a suitable semi-commercial mortgage was arranged, providing the funding needed to complete the purchase.
Key details included:
• Property type: Semi-commercial investment
• Property: Two flats above a shop
• Purchase price: £210,000
• Loan amount: £157,500
• Loan to value: 75%
• Repayment type: Interest only
• Term: 25 years
The Outcome
The client successfully completed the purchase of their first semi-commercial investment property and expanded their portfolio into the mixed-use sector.
The funding structure provided a solution that supported both the immediate acquisition and the client’s wider investment objectives.