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Residential & mixed-use development finance


We provide flexible, fast financing for residential and mixed-use developments – supporting acquisition, construction, and refurbishment to help you maximise value and deliver successful, high-quality projects on time and within budget.

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Unlock value in your residential and mixed-use projects

Residential and mixed-use developments offer exceptional investment opportunities by combining living, retail, and commercial spaces to maximise value and appeal. Our mixed use property solutions are designed for developments that combine residential and commercial spaces. Our tailored financing solutions support every stage – from acquisition and construction to refurbishment – helping you unlock the full potential of your project.

With flexible terms, competitive rates, and fast decisions, we provide the capital and confidence you need to deliver quality developments on time and budget. Whether you鈥檙e creating vibrant communities or versatile commercial hubs, our expert team is here to guide you through the process, ensuring your development thrives in today鈥檚 dynamic property market.

Why residential & mixed use properties works now

Bridging finance is becoming increasingly popular for residential and mixed-use developments due to its speed, flexibility, and ability to fill funding gaps that traditional loans can鈥檛 address. Developers often face tight timelines and complex project requirements, making quick access to capital essential. Bridging loans provide short-term, tailored financing that supports acquisitions, construction phases, and refurbishment, helping to maintain cash flow and keep projects on track.

Our mixed use commercial solutions provide flexibility where standard residential or commercial lending may not apply. As property markets grow more competitive and diverse, bridging finance offers developers the agility and certainty needed to seize opportunities, manage risks, and successfully deliver high-quality, mixed-use communities.


Why borrow with us

Fast, reliable funding

Quick access to capital to keep projects moving without delays

Clarity from day one

Pre-approval available so you can proceed with confidence

Flexible terms

Loan structures tailored to acquisition, construction, and exit strategy

Expert support

Experienced team guiding you through complex developments

Key lending criteria

  • Loans from 拢500k up to 拢20m
  • Up to 75% LTV for residential properties, 65% for commercial
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Lending across England, Scotland & Wales
  • Flexible terms: 3 to 18 months
  • Available to individuals, limited companies, Limited Liability Partnerships (LLP), Special Purpose Vehicles (SPV), and trusts
  • Interest roll-up, retained, part-serviced and serviced options available
  • First-time investors considered (case by case)
  • UK and foreign nationals welcome* subject to due diligence (*UK bank account required)
  • All types of asset classes considered – residential, semi-commercial & commercial
  • Available for completed or near-completion residential and mixed-use developments
  • First legal charge over the property or development site
  • Units can be part-sold or unsold; funding supports marketing and orderly sales
  • Proven route via unit sales or refinance to long-term finance
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Additional highlights

Quick access to funds

Bridging loans provide fast capital to keep your project moving 

Flexible terms

Loan durations tailored to fit your development timeline and exit strategy

Supports complex projects

Ideal for mixed-use developments with varied property types and cash flow needs

All asset classes considered

Covers retail and residential schemes with commercial units and commercial-to-residential conversion projects

Helps manage cash flow

Eases financial pressure by bridging temporary shortfalls during sales or leasing phases

Short-term solution

Perfect for bridging gaps between acquisition, construction, and long-term financing 

Refinance and exit options

Easily refinance into longer-term loans once development milestones are met

Funding for refurbishments

Helps manage cash flow

Residential & mixed-use development finance frequently asked questions

91看片 will lend up to 75% LTV for residential properties and 65% for mixed-use developments. If the residential element is greater than 55% then we will consider up to 75% LTV.

Yes, bridging loans are often used as a short-term solution before refinancing into a longer-term mortgage or development finance once key project milestones are met.

Eligible properties include mixed-use buildings such as retail with residential units, offices with apartments, or other semi-commercial assets that combine living and business space.

We lend up to 拢20m, with maximum LTV of 75% residential or 65% commercial properties. Terms run between 3鈥�18 months, and we consider applications from individuals, companies, SPVs, LLPs and trusts subject to meeting our underwriting requirements. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

As part of the application process, we assess the full property, including rental income potential and exit strategy. A valuation confirms current and projected value, after which we structure terms based on LTV and borrower profile.

A short-term loan designed to provide quick capital for purchasing, refurbishing, or developing residential and mixed-use properties, helping to bridge gaps between funding stages.

Yes, bridging loans can be structured to cover property purchases as well as refurbishment or construction.


Speak to a specialist today to access tailored finance for residential and mixed-use developments helping you maximise value, manage cash flow, and deliver successful projects with confidence.

Speak to a specialist