Smart Semi-Commercial Mortgage Solutions for Contractors
A semi-commercial mortgage allows you to purchase or refinance a property that combines both residential and commercial use ,such as a shop with flats above or mixed-use developments. At Contractor Mortgage Solutions, we understand the unique income structures of contractors and self-employed professionals. Our team works with specialist lenders who consider your day rate and contract value ,not just traditional payslips or company accounts ,to secure tailored semi-commercial mortgage options designed around your real earning potential.
Tailored Mortgage Solutions / Options / Types
Tailored Semi-Commercial Mortgage Options for Contractors
At Contractor Mortgage Solutions, we help contractors and self-employed professionals finance semi-commercial properties efficiently ,whether you’re purchasing your first mixed-use property, refinancing an existing one, or expanding your investment portfolio. Our expertise lies in aligning your contract-based income with lenders who understand the flexibility of your work structure, ensuring smoother approvals and better rates.
Owner-Occupied Semi-Commercial Mortgages
If you plan to run your own business from the commercial space while renting out or living in the residential part, we’ll connect you with lenders who offer flexible terms designed for mixed-use occupancy.
Investment Semi-Commercial Mortgages
Looking to invest in a property that combines retail and residential units? We specialise in securing buy-to-let and investment semi-commercial mortgages where rental yield and potential growth are balanced to fit your investment goals.
Limited Company Semi-Commercial Mortgages
If your property is owned through a limited company, we’ll structure your mortgage to reflect your business setup and contractor income. Lenders we work with assess your company earnings and contract value, not just your personal salary or dividends.
Refinancing Semi-Commercial Properties
If you already own a semi-commercial property, refinancing can help release equity for reinvestment, business expansion, or property improvements. We help contractors access refinancing solutions without disrupting their existing terms.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Day Rate
We specialise in securing semi-commercial mortgages for contractors based on their contract earnings alone ,no tax returns or company accounts required. Over the last decade, Contractor Mortgage Solutions has helped contractors purchase and refinance mixed-use properties for both personal and investment purposes. Our direct partnerships with specialist lenders mean we can offer exclusive semi-commercial mortgage deals rarely available on the high street or through traditional brokers. With us, your contract income opens doors to smarter, more flexible property finance.
Use our calculator to estimate your borrowing power
Want to know how much you could borrow for your semi-commercial property?
Our mortgage calculator gives you an instant indication based on your contract income and goals.
This tool offers an initial estimate only ,for an accurate, personalised assessment,
speak to our specialist advisers who’ll tailor your borrowing capacity to your income and property type.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings.
Contact us for a free bespoke contractor mortgage recommendation.
Ready to discuss your options?
Don’t let traditional lending criteria limit your opportunities. Whether you’re buying, refinancing, or investing in semi-commercial property, we can help you secure the right mortgage based on your contract income ,no payslips or accounts required. Our experts are ready to help you take the next step towards your property and investment goals.
Compare & Find the Right Mortgage for You
Don’t settle for less ,explore, compare, and secure the best semi-commercial mortgage deal for your goals.
Mortgage Comparison
Find the Right Semi-Commercial Mortgage in Minutes
Financing a mixed-use property can be complex, but our mortgage comparison tool makes it simple. Compare offers from trusted UK lenders in one place ,including exclusive rates tailored to contractors and self-employed professionals. Whether you’re buying, refinancing, or investing, you’ll see clear comparisons of rates, terms, and repayments ,empowering you to make confident, informed decisions.
Mortgage Quote
Get Your Personalised Semi-Commercial Mortgage Quote Instantly
Want a quick, no-obligation quote? Our semi-commercial mortgage quote tool uses your contract income and financial details to deliver an instant estimate. With no impact on your credit score, you can explore your borrowing potential and secure deals that fit your goals.
Why Choose Contractor Mortgage Solutions for Your Semi-Commercial Mortgage?
Testimonials
James R.
Software Consultant, Bristol
“True experts in contractor mortgages.”
CMS helped me finance a property with a retail unit and flat above. Their understanding of contractor income made approval fast and straightforward.
Sophie T.
Engineering Contractor, Manchester
“They made semi-commercial financing simple.”
I’d been declined elsewhere due to complex income. CMS found a lender that accepted my contract structure and offered great rates.
Daniel K.
Design Contractor, London
“Professional and efficient from start to finish.”
CMS handled everything with precision ,from application to completion. I couldn’t recommend them enough.
FAQ’s
What is a semi-commercial mortgage?
A semi-commercial mortgage finances properties that combine both commercial and residential elements ,like a shop with flats above. It’s ideal for contractors investing or operating in mixed-use premises.
Our Partners: https://mortgage-tek.co.uk/
Can contractors get a semi-commercial mortgage?
Yes. We work with specialist lenders who assess contractors based on their day rate and contract history, not traditional payslips or accounts.
Do I need a separate mortgage for residential and commercial parts?
No. A semi-commercial mortgage covers both parts under a single facility, simplifying repayment and ownership.
What deposit do I need for a semi-commercial property?
Typically, deposits range between 25%–35%, depending on your contract structure, credit profile, and the property’s use.
Can I purchase through my limited company?
Absolutely. Many contractors choose to buy through their limited company for tax efficiency. We help structure your mortgage accordingly.
Are rates higher for semi-commercial mortgages?
Rates can be slightly higher than standard residential mortgages due to the mixed-use nature of the property. However, CMS helps secure competitive terms from specialist lenders.
Can I refinance my existing semi-commercial mortgage?
Yes. Refinancing can help release equity or reduce your monthly payments. We’ll assess your contract income and find the most suitable refinancing option.
What properties qualify for semi-commercial mortgages?
Properties combining residential and commercial elements ,such as retail units with flats above, small offices with living space, or workshops with attached residences.
How long does it take to arrange a semi-commercial mortgage?
Typically, approvals take between 4–8 weeks depending on lender and property type. With CMS managing the process, you can expect faster results and fewer delays.