Overview
How a property is actually used can matter as much as how it's built. A home with a business element, an annexe, or a period of vacancy needs a lender comfortable with that specific use — not every residential lender is.
Mixed-Use & Flats Above Commercial
Residential property with a commercial element below or attached, assessed by lenders who understand the split
Annexes & Multi-Generational Living
Properties with a self-contained annexe, granny flat, or dependent relative accommodation
Holiday Homes & Second Homes
A residential mortgage on a property you won't live in full-time, rather than a Buy to Let
Uninhabitable or Part-Renovated Properties
Properties without a working kitchen or bathroom at completion, which most standard lenders won't touch
Why Choose Domus Finance?
Lender Knowledge
We know which lenders accept which uses, and which will decline on sight
Right Product, Not Just Any Product
Some of these situations need bridging finance rather than a standard mortgage — we'll tell you honestly which applies
Whole of Market
Access to specialist lenders who focus specifically on non-standard use
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.