If you’re buying or refinancing a mixed-use property—like a shop with flats above or an office with residential space—standard buy-to-let lenders usually won’t touch it. That’s where a semi-commercial mortgage comes in.
At Mortgage Knight, we specialise in arranging mortgages for semi-commercial properties. Whether you’re an investor, landlord, business owner or SPV looking to diversify your portfolio, we work with lenders who understand the blend of residential and commercial income.
A day 1 remortgage (or value uplift mortgage) allows you to refinance a property immediately after purchase using its current market value, rather than its original purchase price.
Ideal for:
We help:
Even if you’ve only owned the property for a few days, we can help you refinance based on real value, not outdated figures.
| Feature | Typical Terms |
|---|---|
| Loan size | £50,000 – £2 million+ |
| Loan based on | Current market value, not purchase price |
| Timing | From day one of ownership (some after 6 months) |
| Ownership | Individuals or Ltd Companies (SPVs) |
| Exit strategy | From bridging or cash purchase |
| Property types | BTL, HMOs, flats, houses, commercial, mixed-use |
We’ll guide you on which lenders will accept true market value early on—even if you’ve owned the property for just a few days.
Status: Raj bought a terraced house off-market for £110,000. The true value was £160,000, confirmed by a RICS valuation. He wanted to refinance ASAP and pull out capital.
Solution: We arranged a 75% LTV day one remortgage based on the market value, not the purchase price.
Outcome: Raj raised £120,000, cleared the bridging loan, and had funds left to secure his next deal.
Status: Olivia bought a tired 3-bed house at auction for £150,000. She spent £20,000 on upgrades and the post-works value was £220,000.
Solution: We secured a BTL remortgage within 2 months of ownership using the new value.
Outcome: Olivia refinanced at 75% of £220,000, repaid her bridging loan, and retained over £40,000.
Status: A small developer bought a semi-detached house, refurbished it in 6 weeks, and wanted to refinance instead of selling.
Solution: We arranged a development exit mortgage on the uplifted value of £310,000 (purchase price was £210,000).
Outcome: The client exited bridging, repaid the original debt, and kept cash in the business.
Don’t let your equity sit locked in a property. Whether you’ve just bought below market value or added value through refurbishment, Mortgage Knight can help you release funds quickly and move on to your next deal.
Speak to our specialist advisers today for a same-day value uplift mortgage quote.
A: Yes. Some lenders allow day 1 remortgages, especially if you bought with cash or bridging, and can prove the uplift.
A: We work with lenders who accept full market value, even within days or weeks of purchase, especially with a RICS valuation and evidence of works completed.
A: Absolutely. This is one of the most common uses of value uplift mortgages.
A: Not always. Some lenders do impose a 6-month rule, but others allow remortgage from day one, depending on circumstances.
A: Yes. We regularly help clients using SPVs refinance and pull capital out based on the true value.
