When your property combines residential and commercial income, mainstream finance can slow down fast. Mixed use assets often sit outside standard bank policy, especially when you need a quick settlement, a short term facility, or the property needs repositioning. A private lender can be a practical fit because the assessment is more flexible, the decision path is shorter, and the structure can be tailored to your cash flow and timeline. Contact us today.
Why business owners choose a private lender for mixed use property finance
At Secured Lending, we speak to clients every week who require finance. We are happy to provide guidance and requirements for mixed use property finance so you can quickly understand what is achievable and what the next steps look like.
Faster approvals and time critical settlements
Speed is usually the deciding factor. A private lender can move faster because the credit process is streamlined and focused on security, exit strategy, and serviceability that reflects real world business income.
With Secured Lending, we use our own funds for fast decisions and have an internal property valuation team. This supports 24 hour settlements up to 10M for suitable deals, which is often critical for auctions, contract deadlines, refinance pressure, or urgent working capital tied to a property transaction.
More flexible lending on mixed use assets
Mixed use property finance can be complex. The split between commercial and residential space, tenancy profile, lease terms, vacancy risk, and zoning can all influence the outcome. Private lending is often more adaptable when the asset does not fit a simple policy box.
Common scenarios where a private lender can help include:
- private mortgage solutions where bank criteria is restrictive
- Complex income where cash flow is strong but documentation is not neat
- Short term funding needed while you stabilise tenants or complete minor works
- Bridge finance to secure a purchase before longer term refinance
- second mortgage funding where you need top up capital without disturbing a first mortgage
Secured Lending are specialist private lenders in secured business loan solutions, private mortgages including first mortgages and second mortgages and bridging loans. This matters for mixed use properties because the right product depends on your objective, your timeframe, and your exit.
Short term terms that match real business timelines
Banks typically prefer long terms and slower transitions. Many business owners do not need that. They need a short term facility to execute a plan, then refinance or sell once the property is stabilised.
We specialise in short term loans with:
- Rates from 9.2% p.a.
- Terms 1 to 24 months
Short term mixed use property finance is often used to:
- Acquire a property at speed and refinance once leases are improved
- Release equity for business purposes with a clear exit plan
- Bridge from settlement to sale, or settlement to longer term funding
- Fund a time sensitive opportunity without waiting for bank timeframes
Decisions based on security and exit strategy
A private lender will typically place strong focus on the asset, the equity position, and a credible exit. For business owners, this can be a benefit because the conversation becomes practical: what the property is worth today, what the plan is, and how the loan will be repaid.
When you work with Secured Lending, you can expect a direct review of:
- Property type and configuration, including residential and commercial components
- Location and marketability
- Existing leases and tenancy strength
- Your proposed use of funds
- Your exit strategy, such as refinance, sale, or business cash flow event
This approach is often more aligned with mixed use realities than a rigid checklist.
Certainty with a private lender that funds with its own capital
Funding certainty is a key advantage when timing matters. Some lenders rely on third party capital that can introduce delays or changing conditions. As a private lender in Australia, we use our own funds, which supports faster decisions and clearer communication around terms and settlement.
To date, Secured Lending has funded 500M plus. That track record matters when you are choosing a lender for a high value asset or a time sensitive transaction.
What you can use mixed use property finance for
Business owners commonly use mixed use property loans to:
- Purchase a mixed use building for owner occupation plus rental income
- Refinance existing debt to meet a deadline or consolidate facilities
- Access equity for business growth, stock, payroll, or expansion
- Cover settlement gaps with private bridging finance
- Complete light improvements to increase rentability and valuation outcomes
The best structure depends on whether the property is primarily an investment, a base for operations, or a combination of both.
Where Secured Lending operates
Secured Lending is a private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. If your mixed use property sits in a strong location with a clear plan and exit, we can generally assess it quickly.
What to expect when you speak with Secured Lending
We keep the process straightforward and decision focused. We speak with clients every week who require finance, and we are happy to provide guidance and requirements for mixed use property finance. That includes setting expectations early on pricing, timeframes, valuation approach, and what is needed to proceed.
You will generally gain clarity on:
- Whether a first mortgage or second mortgage structure is suitable
- How bridging finance could fit your settlement timeline
- Indicative terms within our short term lending parameters
- How quickly we can move based on valuation and documentation
If you are looking for a private lender for mixed use property finance, Secured Lending can provide fast, practical options backed by our own funds, an internal valuation capability, and a focus on short term outcomes.
