Shops with flats
Purchase or refinance traditional mixed-use property.
Finance · Semi-commercial bridging
Mixed income.
One coherent structure.
Short-term finance for properties combining commercial space with residential accommodation.
The Wentworth view
Mixed-use property needs both sides of the asset understood.
A flat above a shop or another mixed-use asset cannot be assessed through residential rent alone. Covenant, leases, access, planning and valuation methodology all matter.
We select lenders comfortable with the precise residential-to-commercial split and present one coherent credit case.
This service is limited to unregulated, business-purpose property finance.
Where it can fit
Common uses and situations
Part-vacant assets
Create time to let, refurbish or reconfigure one element.
Capital raising
Release equity for a defined investment or business purpose.
Conversion
Fund works or planning-led changes before onward refinance.
Credit preparation
What we establish before approaching lenders
- 01
Security
Property type, tenure, condition, value, location and any title or planning complexity.
- 02
Borrower
Experience, credit profile, ownership structure and source of funds.
- 03
Requirement
Purchase or refinance figures, net proceeds, timing, fees, interest and works.
- 04
Exit
Sale, refinance or another evidenced repayment route with a realistic timetable.
Frequently asked
Straight answers to the first questions.
Talk to Wentworth
Discuss a semi-commercial bridging requirement.
Share the asset, the numbers, the timeframe and what the funding needs to achieve. We will come back with a focused initial view.
Submit a deal