A semi-commercial mortgage is a specialised type of loan designed for properties that have both commercial and residential components. These properties are typically a combination of commercial space, such as a shop or office, and residential space, such as flats or apartments. Semi-commercial mortgages are tailored to the unique financing needs of these mixed-use properties, allowing borrowers to purchase or refinance them. They are commonly used for properties like shops with flats above, where both commercial and residential income streams contribute to the overall property value and rental income. This type of mortgage enables investors and businesses to acquire and manage such versatile properties in the UK.