Mixed Use Development Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for mixed use development finance, mixed use construction finance and residential-commercial projects across Australia.
Is this your situation?
Mixed use development finance is often needed where a project includes both residential and commercial components, such as retail below apartments, shop-top housing or mixed-use infill sites.
Your project has mixed uses
Funding may be needed for projects with residential, retail, office or commercial components.
The bank finds it too complex
Mixed use projects can be harder for banks because they combine different valuation and exit risks.
You need construction funding
Private lenders can consider construction funding where the project, LVR and exit strategy are strong.
You have planning approval
DA approval, permits or planning progress can help lenders understand the project scope.
You need to refinance the site
An existing site, commercial, private or development facility may need refinancing.
You need a clear exit strategy
Exit may be sale, refinance, lease-up, completed stock sale or mixed-use sell-down.
What is mixed use development finance?
Mixed use development finance is funding for projects that combine residential and commercial uses, such as apartments above shops, retail and residential sites or commercial-residential infill projects.
Why mixed use projects need specialist assessment
Mixed use projects can involve residential sales, commercial leasing, multiple valuations, different buyer markets and more complex exit strategies than single-use developments.
Where private lenders can help
Some private lenders can assess mixed use scenarios by reviewing the site value, approvals, residential component, commercial component, GRV, leasing position, LVR and exit strategy.
Why banks often decline mixed use development finance.
Banks can be conservative where a project combines residential and commercial risk or does not fit standard construction lending policy.
Banks commonly decline because of:
- Commercial and residential risk combined
- Insufficient presales or pre-leases
- Servicing does not fit policy
- Valuation or GRV concerns
- Construction budget or feasibility issues
- Project complexity or developer experience concerns
- The scenario does not fit standard bank policy
Private lenders approve based on:
- Security value and completed value
- Residential and commercial split
- Approval status and project scope
- GRV and marketability
- Leasing or sale strategy
- Loan-to-value position
- Clear sale, refinance or lease-up exit strategy
Common mixed use development finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Retail Below Apartments
Funding for apartments above retail or commercial space.
Shop-Top Housing Finance
Private funding for shop-top housing and mixed-use infill projects.
Mixed Use Construction Finance
Construction funding for mixed residential and commercial projects.
DA Approved Mixed Use Sites
Funding for approved mixed-use development sites.
Mixed Use Development Refinance
Refinance of existing mixed-use development or private facilities.
No Presales or Pre-Lease Scenarios
Private assessment where bank-style presales or leases are difficult.
Mixed Use Cost Overruns
Additional funding where mixed-use construction costs have increased.
Mixed Use Exit Finance
Short-term funding to complete, sell, lease or refinance the project.
Urgent Mixed Use Funding
Fast funding where timing, settlement or lender pressure is urgent.
Mixed use projects private lenders can consider.
Every lender has different appetite. The goal is to match the mixed use scenario with lenders that understand both the residential and commercial parts of the project.
Shop-Top Housing
Residential dwellings above shops or commercial space.
Retail and Apartments
Projects combining retail tenancies and apartments.
Office and Residential
Mixed projects with office and residential components.
Commercial Ground Floor
Developments with commercial ground floor and residential above.
Infill Mixed Use Sites
Metro and suburban mixed-use infill projects.
DA Approved Mixed Use
Approved mixed-use sites ready for the next funding stage.
Partially Completed Mixed Use
Incomplete or delayed mixed-use projects needing funding.
Mixed Use Residual Stock
Completed but unsold or unleased mixed-use projects.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but mixed use scenarios need enough detail for lenders to understand the residential, commercial and exit components.
Property Address
The address and property details help lenders understand location and security.
Project Mix
The split between residential, retail, office or commercial components.
Planning Status
DA approval, permit status, drawings and project scope.
Loan Amount Required
The acquisition, refinance, construction, completion or exit funding required.
Value and GRV
Current value, completed value, commercial value, residential value and feasibility.
Exit Strategy
Sale, refinance, lease-up, completed stock sale or bank refinance.
Case study: mixed use site funded before construction.
A borrower had approval for a mixed-use project with ground floor retail and apartments above.
The bank was slow to approve funding because of the commercial component and pre-lease requirements.
The scenario was introduced to a private lender that assessed the site value, approved plans, GRV, borrower contribution and exit strategy.
A private facility allowed the borrower to progress the project while preparing the longer-term exit.
Case study: mixed use refinance after bank decline.
A mixed-use project needed refinance after the bank declined due to valuation and servicing concerns.
The borrower needed to repay the existing lender and create time to complete leasing and sale activity.
The scenario was matched with a private lender that focused on LVR, completed value and exit strategy.
The borrower refinanced privately and gained time to finalise the project exit.
A simple process designed for fast scenario assessment.
The goal is to get your mixed use development finance scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Frequently asked questions about mixed use development finance.
Common questions from developers considering private funding for mixed residential and commercial projects.
What is Mixed use development finance?
Mixed use development finance is private funding used to assist with mixed residential and commercial development projects.
Can private lenders help with mixed use development finance?
Yes. Private lenders can consider mixed use development finance where the security value, project stage, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where leasing, presales, servicing, valuation, construction risk, borrower experience or project complexity does not fit standard lending policy.
Can this funding be used before construction starts?
Yes. Some private lenders can consider funding before construction starts where the site, approvals, project feasibility and exit strategy support the loan.
Can this funding be used for construction?
Yes. Depending on the project and lender appetite, funding may assist with construction costs, progress payments, completion funding or cost-to-complete requirements.
Can this funding be used to refinance an existing facility?
Yes. Existing land, commercial, development, construction or private facilities can sometimes be refinanced where the new lender is comfortable with the security and exit.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, project stage, LVR and exit strategy rather than requiring a full bank-style application upfront.
How quickly can the scenario be assessed?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project stage, value estimate and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, project type, planning status, construction budget, current debt, value estimate, GRV and proposed exit strategy.
Can private lenders consider projects without presales or pre-leases?
Some private lenders can consider scenarios without presales or pre-leases where the security, LVR, borrower contribution, marketability and exit strategy are strong enough.
What is the usual exit strategy?
The exit may be sale, refinance, lease-up then refinance, completed stock sale, bank refinance or another clear repayment pathway.
Who contacts me after I submit the scenario?
Once the scenario is reviewed and matched with suitable lending partners, a private lender or their representative can contact you directly to confirm requirements, structure and next steps.
Related development finance scenarios.
Every development project is different. Explore other private development finance scenarios that may also match your situation.
Funding Problems
Construction & Development
Land, Planning & Civil Works
Need finance for a mixed use development?
Submit the key details of the project, residential-commercial mix, loan amount, value estimate and exit strategy so the scenario can be matched with suitable private lenders.
Submit your mixed use development finance scenario.
Send through the key details of the project, residential-commercial mix, loan amount, value estimate and exit strategy.