Finance That Works for Your Business
Welcome to Momentum Mortgages – semi-commercial mortgage broker specialists
Based in Sevenoaks, Kent and serving clients throughout London and the whole of the UK
Whether you’re a landlord adding a shop-and-flat combo to your portfolio, or a business owner looking to invest in your premises while living above it, we’ll help you find the right finance.
A semi-commercial mortgage is used for properties that combine both residential and commercial elements. Think of a ground-floor retail unit with a flat above it, or an office space with accommodation attached. These properties are also known as “mixed-use”.
Lenders assess these differently to pure residential or commercial mortgages, taking into account both the rental income from the commercial unit and the residential part. The right setup can offer great returns – but it’s important to get the structure right.
Each lender is different, but here’s what they usually consider:
Yes, many lenders will allow you to purchase or refinance a semi-commercial property through a limited company or SPV (Special Purpose Vehicle). This can be beneficial from a tax and liability perspective, especially for portfolio landlords or investors.
We’re specialists in commercial and semi-commercial lending. Our advice is always tailored to your goals, whether you’re buying for investment, occupation, or a bit of both.
We work with a wide panel of lenders, including high street banks, challenger banks, and specialist lenders – many of whom only work through brokers like us.
Why Momentum?
Ready to explore your options?
Speak to an Expert
If you’re considering a commercial mortgage, let us help you find the right solution. Our team is here to provide clarity and support, ensuring you secure financing that suits your business plans.
Schedule a consultation today and take the next step with confidence.
