£920,000 Semi‑Commercial Refinance | Base + 1.90% | £0 lender arrangement Fee

🚀 Completed: £920,000 Semi‑Commercial Refinance | Base + 1.90% | £0 lender arrangement Fee

Delighted to wrap up a sharp refinance for a long‑standing client as their existing lenders fixed rate came to an end — and we secured a seriously competitive outcome.

📍 Property:

Mixed use property in the North West consisting of  Pub/restaurant + student accommodation

💡 The Challenge:

Refinance an expiring facility on a mixed‑use asset with both commercial and student income streams — and keep costs tight.

🔥 The Result:

£920,000 loan Rate: Base + 1.90% Arrangement Fee: £0 Smooth, like‑for‑like refinance with a small uplift and improved cash flow.

📈 Why Lenders Backed It:

Experienced landlord, with strong, diversified income from long commercial lease with additional rental demand for the flats due to excellent university location Experienced landlord Sub‑55% LTV

🔎 Max Loan Potential:

Based on current lender appetite, this asset could support £1.15m–£1.25m (60–65% LTV).

If you’ve got semi‑commercial or student‑led assets coming up for refinance, let’s talk — the right structure can make a huge difference to your cash flow and long‑term strategy.