Home  /  Insights  /  Commercial Property & Office Space
Commercial Property & Office Space  

Owning a Mixed-Use Property: What to Know

Two sets of rules under one roof.

Owning a Mixed-Use Property: What to Know Commercial Property & Office Space

Updated October 2026 · Fraser Bond

Commercial · Mixed use

Mixed-use property

SDLTmixed rates
Commercialmortgage
Rates& council tax
Fireseparation
In short: A mixed-use property, such as a shop with a flat above, combines commercial and residential rules. Purchases are usually charged Stamp Duty at the lower non-residential rates, but finance is often a commercial mortgage. The shop pays business rates and the flat council tax. The commercial lease and residential tenancy follow different laws, with the flat covered by the Renters' Rights Act. Check fire separation between uses, access arrangements and planning use classes.

Frequently asked questions

What stamp duty applies?

Usually non-residential rates.

Can I live in the flat?

Yes, subject to planning and the lender.

Buying mixed-use property?

Talk to our team or get a free valuation.

Speak to our teamGet a free valuation

Related guides

Next step

You are one message away from an answer.

If you have a question

Send it to us and get a straight answer.

Describe the property and the problem. We will tell you what we would do, what it should cost, and if we are not the right people, who is.

  • Replies the same working day
  • The person who answers is the person who handles it
  • No fee, and no obligation to instruct us
If you are looking for a property

See everything we are instructed on.

Sales and lettings across Prime Central London and the wider UK, with the same team behind every listing.

  • Residential and commercial in one search
  • Filter by borough, budget and size
  • Register once and we will send matches first