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Residential & mixed use property finance

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

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Unlock value in your clients residential and mixed-use projects 

Residential and mixed-use property offer exceptional investment opportunities by combining living, retail, and commercial spaces to maximise value and appeal. Our mixed use property finance 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 your clients unlock the full potential of their project. With flexible terms, competitive rates, and fast decisions, we provide the capital and confidence your clients need to deliver quality developments. Our expert team is here to guide you through the process, ensuring your clients development thrives in today鈥檚 dynamic property market. 

Key lending criteria

  • Loans from 拢500k up to 拢20m  
  • Up to 75% LTV for residential properties, 65% for commercial   
  • Fixed-rate options: 2, 3, or 5 years   
  • Lending across England, Scotland & Wales 
  • Flexible terms: 3 to 18 months   
  • Available to individuals, limited companies, LLPs, Special Purpose Vehicle (SPVs), 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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Why borrow with us?

Fast, reliable funding 

Quick access to capital to keep projects moving without delays   

Confidence 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 

Additional highlights

Flexible terms

Loan durations tailored to fit your development timeline and exit strategy

Quick access to funds

Bridging loans provide fast capital to keep your project moving   

Supports complex projects

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

Mixed-use properties

Deliver resilience and higher income potential by combining residential and commercial spaces while maximising long-term capital growth

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 

Covers light to medium refurbishment costs within the development   

Helps manage cash flow  

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

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

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Why residential & mixed use developments 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 options 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.聽

Residential & mixed use property frequently asked questions

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.