“Semi-commercial, or mixed-use, as it’s sometimes called, covers a wide range of properties. Retail units with flats above. Cafés with residential space on site. Small local schemes that blend commercial activity with residential use.”

“What sets them apart is how they spread risk. Two income streams. Two tenancy types. One helps balance out the other. If a flat sits empty, the shop below might still be paying rent. If the shop becomes vacant, the flats could still be let.”

“It suits this moment: a bit more flexible than pure commercial, often better value than standard resi, and still offering meaningful returns. From our side, it’s an area we’re comfortable with. We’re happy to look at semi-commercial deals. And we’ve built the flexibility into our process to assess the whole picture, not just one part of the property in isolation.”

Gavin Diamond (CEO, Inspired Lending) on the attraction of semi-commercial property assets. Link to article