Business owners choose mixed use property for one reason: it is flexible. Lenders do not always see it that way. When a building has both residential and commercial components, many banks apply stricter servicing rules, tighter lease requirements, and slower approval pathways. If you need certainty of funding, speed, or a more practical view of your security and exit strategy, a private lender can be the difference between securing the property and missing the opportunity. Contact us today.
Non-bank private lender for mixed use property finance
At Secured Lending, we provide mixed use property finance as part of our specialist offering in secured business loan solutions, plus private mortgage options and short-term funding.
We speak to clients every week who need funding for mixed use assets. If you’re trying to move quickly, working through an unusual tenancy profile, or simply don’t fit inside standard bank policy, we can guide you on what we need to assess the deal efficiently—and what you can do to strengthen your application before valuation and approval.
When mixed use property finance makes sense
Mixed use finance is often used by business owners and investors who need to act fast, or who have a scenario that doesn’t fit standard bank policy, such as:
- Purchasing a mixed use property where the commercial tenancy profile is still stabilising
- Refinancing to release equity for business cash flow, fit out, stock, or expansion
- Using private bridging finance to settle quickly, then refinancing once leases or works are completed
- Funding where documentation isn’t perfectly aligned with bank requirements, but the asset and plan are strong
- Short-term lending needs where timing matters more than long amortisation
Why work with a non-bank private lender for mixed use property finance
A non-bank private lender can be a strong option when you value speed, flexibility, and a credit decision based on the full context of the asset—not just a policy checklist. Many borrowers exploring non-bank business loans are doing so because they want a clearer, more practical pathway to approval.
Faster decisions and execution
We use our own funds for fast decisions and have an internal property valuation team, which allows us to move quickly (often within 24 hours). That speed can help you secure a purchase, meet settlement deadlines, or act on a time-sensitive opportunity.
Pragmatic assessment of mixed use security
Mixed use property sits between residential and commercial. Banks can treat that complexity as a reason to say no—or delay while they try to make the deal fit a rigid category. We look at the whole asset: tenancy position, location strength, underlying demand, and (critically) your exit strategy.
Short-term finance designed for a clear plan
We specialise in short-term finance of 1 to 24 months. This suits borrowers who plan to sell, refinance, complete leasing, finish minor works, or improve cash flow before moving to longer-term funding.
Flexible private mortgage structures
As specialist private lenders, we can consider solutions where you need a first mortgage, or a second mortgage where you want to keep an existing senior facility in place and add additional capital (subject to feasibility and security).
Funding sizes that match real projects
We offer loans from $250k to $10M. This range covers everything from a smaller suburban mixed use freehold to larger metro assets that require meaningful capital to settle or reposition.
Transparent pricing range
Rates from 9.2% per annum. Pricing depends on security, location, tenancy quality, loan-to-value, and exit strategy. The goal is to give you a clear path to funding with terms that match the risk and timeframe.
What we look for in a mixed use property finance application
If you want speed, it helps to prepare information that answers the lender questions up front. When we assess mixed use property finance, we typically focus on:
The property and its income profile
We review the split between residential and commercial areas, the current leases, vacancy position, lease expiry dates, and any relevant outgoings. We also look at how the property will perform as security if your exit is sale or refinance.
Your purpose and timeline
Are you buying, refinancing, settling another transaction, or releasing equity for business use? With short-term finance, clarity on timing matters because it affects structure, pricing, and how the exit is evaluated.
Your exit strategy
A credible exit is central to private lending. Common exits include refinancing to a bank once leases stabilise, sale of the asset, or repayment from business cash flow. We’ll want to understand not just what the exit is, but how you’ll get there (leasing plan, works timeline, expected uplift, contingency).
Borrower position and supporting documents
We consider the broader story, including your experience, the asset quality, and supporting documentation available. If you’re unsure what to provide, we can outline the requirements based on your specific scenario so you don’t waste time preparing irrelevant items.
Private lending
As a private lender in Australia, we focus on the security, the plan, and the exit—then structure funding around what needs to happen next (settlement, leasing, minor works, or refinance).
Where we lend
Secured Lending is a non-bank private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas.
Mixed use assets can perform very differently by micro-location, and local market knowledge matters when assessing security and liquidity—especially when you’re relying on a short-term plan and a clear exit.
Our lending capability at a glance
- Funded over $500 million in loans
- We use our own funds for fast decisions and have an internal property valuation team which allows us to move quickly (often within 24 hours)
- Loans from $250k to $10M
- Rates from 9.2% per annum
- Short-term finance from 1 to 24 months
How Secured Lending helps you move forward
If you’re looking for a private lender for mixed use property finance, you usually want three things: a clear answer, a fast process, and a lender that understands mixed use assets without overcomplicating them.
That’s the approach we take. We can provide guidance on what’s needed to assess your deal quickly, how to position the security and tenancy story, and how to structure funding around a practical exit—whether you’re purchasing, refinancing, or using short-term funding to move first and optimise later.
Frequently Asked Questions
1) My commercial lease is short, informal, or rolling month-to-month—will you still consider the deal?
Yes, potentially. Short or imperfect lease documentation is common in mixed use, especially where a property is being stabilised. What matters is the strength of the underlying asset, the tenant profile and rent reasonableness, and your plan to formalise, re-lease, or refinance. We’ll focus heavily on how your exit works if the commercial income changes.
2) How do you assess the residential vs commercial split in a mixed use building?
We look at the split of area and income, plus how each component contributes to security quality and saleability. A mixed use property isn’t assessed purely like residential or purely like commercial; the tenancy mix, configuration, access, and demand in that micro-market all influence how the security is viewed.
3) Can I use mixed use property finance to release equity for my business, even if the property is already owned?
Yes. Refinance to release equity is a common use case, particularly when capital is needed for stock, fit-out, payroll smoothing, or expansion. The key is that the loan structure and term align with your cash flow reality and a clear repayment or refinance pathway.
4) What makes an exit strategy “credible” for mixed use lending?
A credible exit is specific, time-bound, and supported by the current reality of the property and market. Examples include: a refinance once leases are executed and income is provable, a sale supported by comparable demand for similar stock, or repayment from business cash flow where the figures and timing make sense. We also like to see contingency planning (what happens if leasing takes longer than expected).
5) If I’m under a tight settlement deadline, what helps you move fastest?
Having the essentials ready: contract details, a clear breakdown of residential/commercial areas, current leases (even if imperfect), rent schedule, outgoings, vacancy notes, and a short summary of your plan and exit. If there are known issues (vacancy, upcoming expiries, works required), it’s usually faster to disclose them early and show how you’re managing them.
6) Can you do a second mortgage behind an existing lender on a mixed use asset?
In some cases, yes. A second mortgage can work when there’s sufficient equity, a clear purpose for the additional funds, and a feasible exit that addresses both facilities. We’ll consider the senior lender position, remaining term, covenants, and whether the combined structure still makes sense against the property’s risk and liquidity.
