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Our mixed-use loans can be an ideal investment solution for landlords looking to diversify from standard buy-to-lets or continue building their portfolio.

Our options are flexible enough to meet the differing requirements of individual deals while still providing a simple and straightforward solution.

Key features
Lending criteria
Product guide
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Key features

Short term leases or licenses are acceptable

Lending available in England, Scotland & Wales

No valuation fee payable until loan is approved

Equity release for purchase or refinance

Gifted deposits permitted (between family members)

Interest-only options available

Our interest rate options

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Commercial loan

Variable rate: Terms from 12 months to 25 years

Fixed rate: Term of 3 or 5 years

 

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Residential loan

Variable rate: Terms from 12 months to 30 years

Fixed rate: Terms of 3 or 5 years

Lending criteria

Up to 70% LTV of open market value
Up to 75% LTV (if the residential element of the property exceeds 51% floor coverage)
Only available to experienced property investors
Minimum loan £250k in England & Wales
Minimum loan £500k in Scotland
Up to £15m borrowings per customer with no restrictions on property numbers
Terms from 12 months to 25 years (if the residential element of the property exceeds 51% floor coverage, the maximum term is 30 years)
Interest only options available
Personal guarantees requested from main directors/shareholders but are not always mandatory
Corporate borrowers must be registered in the UK or Crown dependencies
For borrowing in personal name(s), individuals must be a UK resident
Secured by way of a first legal charge on a property located in England, Scotland, or Wales
Download our product guide
English home

Get in touch with our experienced property finance team

As a specialist property funder, we pride ourselves on using our expert knowledge and depth of understanding to provide common sense loan structures.

We shape each loan to suit your individual requirements because we know that every business has different needs.

Meet the team
Send an enquiry

Our funding solutions

Commercial property

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Residential property

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Mixed-used property

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Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

    Send an enquiry

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    If you are submitting an enquiry about a loan, please include a short description in your message (e.g. preferred borrowing structure, loan amount, rental income, asset type, and your experience level).


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    For general enquiries please contact:

    Call us on:

    0344 225 3939

    email us at:

    Fax us on:

    0116 254 4637

    Find us at:

    Cambridge & Counties Bank
    Charnwood Court
    5B New Walk
    Leicester LE1 6TE

    Existing customers please contact:

    Call us on:

    0344 225 3800

    email us at:

    [email protected]

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