Both parts of the building matter
Access, separate services, residential tenancies and the commercial lease affect the assessment. The proportion and nature of commercial use can change the lender route. Legal and tax advisers should confirm the transaction's classification independently.
Estates with homes, business space or rental buildings
Where a wider property includes a home alongside shops, offices, workshops or separately let buildings, describe the actual use of every part. Include the site plan, occupiers, leases and any proposed change of use. We can then discuss whether residential, investment, commercial or project finance needs consideration.
For a substantial private home, read about large homes and estates. For a separate site, see land finance; for intended construction, see development finance.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Residential and commercial layout
- All tenancy and lease details
- Rent split by unit
- Planning use and title
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Mortgage classification does not determine stamp-duty treatment. Mixed-use status and regulatory treatment depend on the actual facts.
Your questions, answered
What makes a commercial or development brief useful?
Bring the property details, the borrowing purpose, the proposed repayment or exit and the evidence supporting the project. Depending on the case, this may include trading accounts, leases, planning information, an appraisal or a cost schedule. Identify gaps and decisions still outstanding.
How do you compare facilities beyond the interest rate?
Look at the funds available, repayment structure, term, fees, security, guarantees and conditions together. For staged funding, the timing and conditions of each drawdown matter to cash flow. A facility must fit the actual business or project rather than just an initial headline figure.
Who handles the legal, valuation and project work?
The relevant appointed professionals remain responsible for their own work. We identify which reports or legal input the lender needs and how those tasks affect the timetable. Mortgage or finance discussions do not replace legal, tax, surveying or project-monitoring advice.
Larger loans & individual properties£1m+ borrowing, substantial homes & landOpen the group to explore the loan, property and project pages relevant to your plans.7 routes +
- £1m+ mortgagesLarger purchases, refinancing and the evidence behind the borrowing.↗
- Large homes & country estatesSubstantial houses, outbuildings, annexes and the wider estate.↗
- Complex property typesListed homes, unusual construction, conversions and multiple titles.↗
- Land, acreage & sitesSeparate land purchases, planning, access and the proposed exit.↗
- Development financeLand acquisition, construction, funding stages and project exit.↗
- High-net-worth mortgagesIncome, assets, liabilities and available liquidity.↗
- UHNW mortgagesSubstantial wealth, ownership structures and international circumstances.↗
Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 9 September 2026. General information; availability depends on the individual case.