Semi-Commercial Mortgage for a First-Time Landlord

Positive Commercial Finance specialises in arranging Semi-Commercial Mortgages for investors with a wide range of experience. In this case study, we helped a first-time landlord secure funding for their first semi-commercial investment property despite having no previous landlord experience.

The Opportunity

Our client wanted to purchase a semi-commercial property as the first step in building a long-term property portfolio.

They had saved a healthy deposit and were financially committed to the investment.

However, they faced an unexpected challenge.

Because they had never owned an investment property before and were living in rented accommodation themselves, many lenders viewed the application as higher risk.

As a result, several lenders were unwilling to offer suitable finance.

Looking Beyond Experience

While some lenders place significant weight on previous landlord experience, others take a broader view.

Positive Commercial Finance reviewed the client’s overall financial position rather than focusing on a single factor.

We identified a specialist lender that recognised the strength of the deposit, the quality of the property and the client’s long-term investment plans.

This pragmatic approach allowed the application to move forward without unnecessary complications.

Deal Structure

• Loan to Value (LTV): 65%
• Interest Rate: 6.99%
• Arrangement Fee: 3% (added to the loan)
• Term: 30 years

The Result

The client successfully completed the purchase using a Semi-Commercial Mortgage, becoming a landlord for the first time.

The property marked the beginning of what they hope will become a growing investment portfolio.

This case study demonstrates that a lack of landlord experience does not automatically prevent access to commercial property finance. With the right lender and a well-presented application, first-time investors can successfully secure funding for semi-commercial property purchases.