Buying A Commercial Property With A Residential Mortgage -

: Most lenders, including the FHA , require the property to be at least 51% residential by floor area.

Commercial Mortgages Explained | FAQs | NatWest Business Banking buying a commercial property with a residential mortgage

While the mortgage on the commercial property must be a commercial one, you can use your to help: : Most lenders, including the FHA , require

: You must typically live in one of the residential units as your main home. : Most lenders

However, there are a few specific scenarios where the lines between residential and commercial financing can overlap: 1. Mixed-Use Properties (Residential + Commercial)

In general, you buy a purely commercial property with a standard residential mortgage . Residential mortgages are strictly for properties intended for personal housing, while commercial properties are viewed as higher-risk business assets and require specialized financing.

If the property contains both residential units (like an apartment) and a commercial space (like a shop on the ground floor), you may be able to use a residential mortgage if it meets specific criteria: