Roma Finance has launched a semi-commercial mortgage product, extending its long-term lending proposition to cover mixed-use property for investors and business owners across England, Scotland and Wales.
The product provides loans of up to £2m at up to 70% LTV, with a fixed rate of 7.99% and additional rate options available. It is open to both investment and owner-occupied semi-commercial properties and is available from today.
Mixed-use assets present particular lending considerations for borrowers and brokers, given that residential and commercial elements sit within the same property. Roma Finance says the product has been developed to provide a straightforward long-term funding route for these cases.
"Mixed-use property has always been an important part of the specialist lending market, but these assets can require a more considered approach because they sit across both residential and commercial lending," said Michael Allison, commercial director at Roma Finance (pictured).
"Our new semi-commercial product gives borrowers a dedicated long-term funding option for these cases, while also building on the wider lending capability we have developed over the past year to give brokers another option when structuring finance for customers with mixed-use property requirements.
"The bigger picture for us is about making the funding journey more connected. Whether a customer is acquiring an asset, carrying out works or looking to retain an investment for the longer term, we want to be able to support them as their requirements develop."
The launch follows Roma Finance's introduction of commercial mortgages and the creation of a dedicated commercial underwriting team earlier in 2026, steps taken to deepen the lender's expertise across the commercial property market.
It also forms part of a broader expansion into longer-term lending that has gathered pace since Roma's forward flow agreement with J.P. Morgan, which gave the lender additional firepower to broaden the range of products available to brokers alongside its existing bridging, development and mortgage offering.
