--- title: "Semi-Commercial Bridging Loan" description: "See how a client secured a £1.46m bridging loan on a semi-commercial block of 16 flats and a commercial unit, completing in just 4 working days." url: "https://mortgagelane.com/case-studies/semi-commercial-bridging-loan" site: "Mortgage Lane" collection: "case-studies" date: "2026-09-16" author: "Seren Norton" category: "Case study" reviewed: "2026-10-15" reading_time: "5 min" byline: "Seren Norton" author_credentials: "CeMAP · FCA authorised firm" language: "en-GB" robots: "index,follow" --- # Semi-Commercial Bridging Loan See how a client secured a £1.46m bridging loan on a semi-commercial block of 16 flats and a commercial unit, completing in just 4 working days. See how a client secured a £1.46m bridging loan on a semi-commercial block of 16 flats and a commercial unit, completing in just 4 working days. ## Case study Speak to a Mortgage Lane adviser about your options. ## In short Mortgage Lane arranged a £1,460,000 serviced bridging loan with Roma Finance against the £2,250,000 purchase of a semi-commercial block of 16 flats, one commercial unit and garages, completing in 4 working days. Full credit approval and a re-typed valuation were secured within 48 hours, and local indemnity insurance and full title insurance were used to protect the lender’s position instead of waiting on standard searches. The site also carries planning permission for 10 additional flats. ## Semi-commercial bridging loan: £1.46m secured in 4 working days Our client was buying a 7,821 sq ft site combining 16 residential apartments, a commercial unit, and garages, all on a single title, with planning permission already in place for 10 further flats. A mixed-use asset like this needed a lender comfortable funding [commercial property](https://mortgagelane.com/mortgages/commercial-mortgages) alongside residential income, not a standard buy to let product. We secured a £1.46m serviced bridging loan against a £2.25m purchase, with full credit approval and a re-typed valuation turned around in 48 hours, and completion following in just 4 working days. ## Case overview *Case overview* | Detail | Summary | | --- | --- | | Property type | Semi-commercial: 16 residential units, 1 commercial unit and garages | | Unit mix | 9 two-bed and 7 one-bed apartments | | Site size | 7,821 sq ft | | Planning | Permission in place for 10 additional flats | | Purchase price | £2,250,000 | | Loan amount | £1,460,000 | | Lender | Roma Finance | | Interest | Serviced | | Credit approval and valuation turnaround | 48 hours | | Time to completion | 4 working days | ## The scenario The property comprised 16 residential apartments (9 two-bed, 7 one-bed) alongside a commercial unit and garages, sitting on a 7,821 sq ft site with planning permission already in place for 10 additional flats. With residential and commercial elements combined on a single title, the case sat outside standard residential and buy to let lending from the outset. ## The challenges 1. **Mixed-use security.** Residential and commercial elements on one title meant the case needed a lender genuinely set up to underwrite semi-commercial property, not a standard buy to let product stretched to fit. 2. **Tight completion timescale.** The transaction needed to move at bridging speed, with full credit approval and valuation both required inside days, not the weeks a mixed-use case might typically take. 3. **Additional underwriting considerations.** A commercial element on the title brings extra underwriting considerations beyond a standard residential case, which can slow down cases that aren’t structured around it from the start. 4. **Unimplemented planning permission.** The site carried planning permission for 10 additional flats, adding development upside that needed factoring into how the asset and the lending against it was assessed. ## The solution We identified [commercial mortgage](https://mortgagelane.com/mortgages/commercial-mortgages) finance structured for exactly this kind of mixed-use asset: a £1,460,000 loan against the £2,250,000 purchase price, arranged on a serviced interest basis with Roma Finance. That structure suited an asset carrying both rental income from the residential and commercial elements, and development upside from the unimplemented planning permission. Full credit approval, together with a re-typed valuation, was secured within 48 hours, pace that mixed-use and part-commercial cases don’t always achieve, given the additional underwriting considerations a commercial element brings. Rather than wait on standard searches, local indemnity insurance and full title insurance were used to protect the lender’s position, letting the legal process move at the speed the case demanded. It’s the kind of structuring that makes a [commercial buy to let mortgage](https://mortgagelane.com/mortgages/commercial-mortgages) or bridge viable within a genuinely tight window. ## The outcome Completion followed in just 4 working days from offer, a timescale that reflects how the case was structured from the start, rather than a rushed exception. ## Bridging calculator Estimate the gross loan against property value before interest, fees and retained amounts. Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Frequently asked questions **Can you get a bridging loan on a semi-commercial or mixed-use property?** Yes. Specialist lenders will fund a single title that combines residential and commercial elements, such as flats above or alongside a commercial unit, using a [commercial mortgage](https://mortgagelane.com/mortgages/commercial-mortgages) or bridge, provided the security and exit strategy are clearly assessed. **How fast can a semi-commercial bridging loan complete?** With full credit approval, a re-typed valuation, and title or local indemnity insurance in place of standard searches, a semi-commercial bridge can complete in a matter of days rather than weeks; in this case, 4 working days from offer. ## Related case studies - [2026](https://mortgagelane.com/case-studies/emergency-bridging-loan-auction)Case study[Emergency Bridging Loan](https://mortgagelane.com/case-studies/emergency-bridging-loan-auction)See how a client completed a £700,000 auction bridging loan on a former care home in just 6 days, using a desktop valuation.[Read more about Emergency Bridging Loan](https://mortgagelane.com/case-studies/emergency-bridging-loan-auction) - [2026](https://mortgagelane.com/case-studies/residential-bridging-exit-10-days)Case study[Residential Bridging Exit](https://mortgagelane.com/case-studies/residential-bridging-exit-10-days)See how a client refinanced off a residential bridging loan and cleared a £500,000 balance in 10 days, 3 days before the term expired.[Read more about Residential Bridging Exit](https://mortgagelane.com/case-studies/residential-bridging-exit-10-days) - [2026](https://mortgagelane.com/case-studies/auction-bridging-loan-holiday-let)Case study[Auction Holiday Let](https://mortgagelane.com/case-studies/auction-bridging-loan-holiday-let)See how a rural property won at auction below market value was bridged for a future holiday let, reaching offer in just 15 days.[Read more about Auction Holiday Let](https://mortgagelane.com/case-studies/auction-bridging-loan-holiday-let) ## Buying a mixed-use or semi-commercial property? We’ll confirm whether your case needs a specialist semi-commercial structure before you commit to an offer. Published: 2026-09-16 Last reviewed: 2026-10-15 Source: https://mortgagelane.com/case-studies/semi-commercial-bridging-loan