Semi-commercial shop-with-flat in Bournemouth: where the deals are, who funds them
The classic shop-plus-flat archetype is a deep, active market across Bournemouth's suburban high streets. Old Christchurch Road, Poole Road in Westbourne, Charminster Road, Christchurch Road through Boscombe and Pokesdown, Belle Vue Road in Southbourne. This piece walks through the unregulated cases we arrange and the regulated cases we refer.
Semi-commercial finance funds mixed-use property where the residential element is at least 40% of total floorspace. The product gives lenders comfort from the residential security, so semi-commercial routinely prices 50–100bps inside pure commercial investment.
Active Bournemouth spines
Old Christchurch Road in the town centre, Poole Road and Seamoor Road in Westbourne, Charminster Road, Christchurch Road through Boscombe and Pokesdown, Belle Vue Road in Southbourne, Tuckton Road.
The FCA regulated perimeter exception
Where the borrower or an immediate family member personally occupies the residential element, the deal moves inside the regulated mortgage perimeter. We refer those out to a regulated broker.
Active lender pool
InterBay Commercial (OSB Group), Together, Aldermore, YBS Commercial, HTB and Cambridge & Counties.
Contact us to discuss a semi-commercial case.
Got a Bournemouth commercial mortgage we should look at?
Send the property, the LTV you are aiming for, and a short trading or rental note. Indicative terms from three to five lenders within 48 hours.