These loans, typically provided by commercial mortgage lenders, can be used for purchasing or remortgaging properties with mixed-use purposes. Examples include properties like a shop with a flat above.

In some cases, lenders may offer lower rates for semi-commercial properties compared to fully commercial ones, depending on the ratio of residential to commercial space. However, certain factors, such as single access to the property limiting tenant flexibility, may result in lenders applying full commercial rates instead. Semi-commercial mortgages provide a flexible solution for diverse property types while considering the unique attributes of mixed-use spaces.