Off-market buildings with a commercial unit on the ground floor and a flat above, usually both let, so you have two rents from one purchase.
Tenancy: Both units let: laundrette on a commercial lease (£1,000 pcm) and the flat above (£525 pcm).
Freehold town-centre building: a long-established laundrette on the ground floor with a two-storey, three-bed flat above. The shop could suit a SIPP or SSAS purchase; the flat would sit outside the pension (take advice).
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Town-centre food store on a 7-year FRI lease, about halfway through. Self-contained flat above, let since October 2025. Both units paying from completion.
Not financial or investment advice. Figures are as let at the time of purchase. They are not a guarantee of future performance, or that similar stock will be available.
Two rents from one building, often at a higher yield than a house. The commercial unit is usually let on a lease of several years, which gives steadier income than a single residential tenancy.
Who the commercial tenant is, the lease length, the rent and any break clauses, plus the same checks on the flat as any tenanted deal: how long the tenant has been there, arrears and how the rent compares locally.
A mixed-use purchase pays the non-residential rates of Stamp Duty in England or Land Transaction Tax in Wales, with no additional-property surcharge. A SIPP or SSAS can usually buy the shop but not the flat, which sits outside the pension. Take advice before buying that way.
Yes, from commercial and specialist lenders. Loan-to-value is usually lower than on a buy-to-let, often around 65% to 75%, and lenders look closely at the commercial lease. I can introduce you to a broker who arranges semi-commercial lending.
Usually the shop, not the flat. HMRC treats a self-contained flat with its own entrance as a separate residential building, which a pension can't hold, so the flat is bought outside the pension. The exception is a flat lived in by the person trading from the shop, if they aren't connected to you. If the flat and shop are joined inside, HMRC treats the whole building as residential. Speak to your pension provider or adviser before you reserve.
It carries on. You become the landlord and the tenant pays rent to you from completion. The pack sets out the lease terms.
Yes. Viewings are arranged with the tenant, with proper notice, once you have read the pack and want to go further. A viewing doesn't hold the property, though: it stays on the market until the reservation fee is paid, so if you want it, move quickly.
Registering and receiving deal packs is free. If you buy, there is a buyer's fee of £3,000 or 2% of the price, whichever is higher. The fees page has the details.
Other property types: Tenanted buy-to-lets · Tenanted HMOs · Tenanted blocks of flats · All live deals
Guide: Can you buy semi-commercial property in a SIPP or SSAS?