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Help your clients unlock the best of both worlds with our mixed-use loans

Get in touch
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Are your clients ready to vary their property
portfolio? A mixed-use loan may be worth
exploring…

A loan like this is an ideal investment solution for
investors looking to diversify their portfolio. There’s
no need for multiple agreements for one property
- we make it all as simple as possible with one
straightforward agreement. Plus, we’ll consider
almost all property types, so whatever route into
the market your client is considering, we can help.
With curiosity rising it’s a great time to speak to
your clients about mixed-use loans.

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Fixed & variable rate options available (depending on the term)

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Short term leases or licenses are acceptable

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Lending available in England, Scotland & Wales

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No valuation fee payable until loan is approved

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Equity release for purchase or refinance

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 highlights:

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

Are your clients ready to diversify their property portfolio?

Get in touch

You can also find more detailed information
on our mixed-use loans in our product guide

View the guide
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Get in touch with our experienced team

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