The changes apply to loans over £5m where the commercial element makes up no more than 20% of the overall property. The move aims to support brokers structuring mixed-use deals with limited commercial use.

Commenting on the changes HTB sales director specialist mortgages & bridging finance Andrea Glasgow (pictured) said: “We’ve seen a clear rise in demand for mixed-use property, particularly where the commercial part is modest but contributes to a strong overall return. These are often flats above shops or mixed-use assets where the commercial use is stable and predictable, such as a convenience store or takeaway.

“The structure is sound, the return is strong, and the pricing should reflect that. This change brings more flexibility. As always, brokers have direct access to the underwriter and the support of a team that knows how to get these deals moving.”

HTB managing director specialist mortgages & bridging finance Alex Upton added: “This is a strategic pricing adjustment that reflects how investor behaviour is changing. Semi-commercial assets with low commercial content are becoming a core part of long-term portfolio strategies.

“By aligning our pricing, we are reinforcing our commitment to supporting well-structured cases with the right level of flexibility. It is a practical enhancement that demonstrates the strength of our proposition, built on clarity, long-term relationships and lending that evolves with our brokers and their clients.”