A flat above a shop, takeaway or pub is often declined by high-street lenders due to concerns about noise, smell, fire risk and resale. But specialist lenders will consider them, assessing the commercial unit's use and the flat's separation. We match your property to the right lender.
Why high-street lenders decline
Lenders worry about the commercial use below - particularly A5 hot-food takeaways and pubs - due to noise, odour, fire compartmentation and resale demand. We present the property's specific construction and separation to address these concerns.
- Concerns over noise, odour and fire risk
- A5 hot-food use is the hardest to place
- Separation and compartmentation evidenced
Specialist lender matching
We know which specialist lenders consider flats above commercial premises, and what they need to see - the lease, the commercial unit's use class, and the flat's fire separation. We assemble the evidence and approach the right lenders.
- Specialist lenders for above-commercial flats
- Use class and lease reviewed
- Fire separation evidence assembled
