Commercial & mixed-use calculator.
The classic shop-with-flats-above play: income valuation on the commercial, bricks on the flats, non-residential SDLT on the lot — and a commercial refinance that shows your real end position.
Shape a commercial dealWhat it models
- Commercial element valued on income: net rent ÷ yield
- Optional residential element (flats above) on bricks-and-mortar
- Non-residential SDLT on the whole purchase price
- Commercial bridging at the lower of 85% of price / 70% of value
- The 70% commercial refinance and your end cash position
- Share the deal as a link or save it as a PDF
A worked example
Illustrative, bridged at 0.95%/month. Check the SDLT on your own price in the SDLT calculator.
Commercial questions, answered
How is commercial property valued?
On income: the net rent divided by a yield. A stronger tenant covenant and longer lease mean a lower yield and a higher value. For mixed-use, the commercial element is valued on income and the residential element on comparable sales.
What SDLT do I pay on mixed-use property?
A genuinely mixed-use purchase — for example a shop with flats above bought together — is taxed at non-residential rates on the whole price (0% to £150k, 2% to £250k, 5% above), including the residential part. No additional-property surcharge applies.
How much will a commercial lender advance?
Less than buy-to-let: typically 65–70% of value, at higher rates. Commercial bridging is similar — around 70% of value or 85% of price, whichever is lower — which is why the income valuation on the way out matters so much.