Can I get a mortgage on a flat above a takeaway?

Yes, although fewer lenders will consider it due to fire risk and cooking smells. We work with specialist lenders who accept flats above takeaways, restaurants, and similar businesses.

Do I need a bigger deposit?

Some lenders may require a 15–25% deposit for flats above commercial premises, compared to 5–10% for standard properties. However, options exist for lower deposits with the right lender.

Will the flat be harder to sell?

Resale can take longer, but flats above shops are often more affordable and can represent excellent value, particularly for first-time buyers in expensive areas.

Flat Above a Shop Mortgages

Many lenders won't mortgage a flat above commercial premises — but plenty of specialists will. We'll find the right deal for you, completely free.

Can You Get a Mortgage on a Flat Above a Shop?

Flats above shops, takeaways, restaurants, pubs, and other commercial premises are classed as 'non-standard' by many high-street lenders. The type of business below, the lease terms, and the property's access all affect mortgage availability. For first-time buyers looking for affordable options, these properties can offer excellent value. We know exactly which lenders accept these properties and can match you with the right one. Don't forget you'll also need buildings and contents insurance tailored to mixed-use premises.

Specialist lenders who accept flats above all commercial types
Flats above restaurants, takeaways & pubs considered
Mixed-use and live/work properties also covered
100% fee-free — the lender pays our commission
Both residential and buy-to-let options available

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Your home may be repossessed if you do not keep up repayments on your mortgage.

What Type of Business Matters?

Lenders categorise commercial premises by risk. Flats above offices, retail shops, and hairdressers are generally easiest to mortgage. Flats above takeaways, restaurants, pubs, and betting shops are harder due to perceived fire risk, noise, and smells — but specialist lenders will still consider them.

Lease & Access Considerations

Lenders will want to see a separate entrance to the flat (not through the commercial premises), a lease of at least 70 years remaining, and ideally separate utilities. If the flat shares a entrance with the business, fewer lenders will consider it, but options still exist.

Buy-to-Let Above a Shop

Buy-to-let mortgages for flats above shops are available from specialist lenders. Rental yields can be attractive in these properties, particularly in city centre locations. We can help landlords find competitive BTL rates even for properties above commercial premises.