Mixed-Use Property Finance Australia: The Complete Buyer’s Guide

Introduction To Mixed-Use Property Finance

Mixed-use property finance in Australia represents one of the most complex yet potentially rewarding areas of commercial property investment. That café with apartments above it, the office building with ground-floor retail, or the warehouse with an integrated residence—these properties offer unique advantages, but they’re also notoriously difficult to finance through traditional channels.

After arranging over $650 million in commercial property finance since 2009, I’ve seen firsthand how mixed-use property loans can transform a business owner’s financial position. However, I’ve also watched countless deals fall apart because buyers didn’t understand the fundamental differences between financing a pure commercial property, a residential investment, and a mixed-use development.

In this comprehensive guide, you’ll discover:

• What actually qualifies as mixed-use property in Australia (it’s more nuanced than you think)
• Why most major banks automatically decline these applications—and which lenders actually say yes
• The hidden valuation challenges that catch buyers off guard
• How to structure finance for dual-income properties
• Real costs you need to budget for (beyond the deposit)
• Strategic approaches that work for both investors and owner-occupiers
• A qualification tool to assess your financing prospects

If you’re already familiar with standard commercial property loans and want to understand how mixed-use differs, this guide will give you the insider knowledge to navigate the complexity successfully.

Whether you’re a business owner considering purchasing your premises with residential above, or an investor attracted to the dual income streams, this guide will give you the insider knowledge to navigate mixed-use property finance in Australia successfully.

Disclaimer: This guide provides general information only and should not be considered financial advice.

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What Qualifies as Mixed-Use Property in Australia?

Before we dive into financing options, let’s establish exactly what we’re talking about. Mixed-use property combines commercial and residential components within a single structure or development. However, the definition gets more specific when it comes to finance.

Common Mixed-Use Configurations

Retail + Residential: The classic Australian configuration—shop, café, or restaurant on the ground floor with apartments or townhouses above. These properties are particularly common in suburban high streets and gentrifying inner-city areas. In our experience, retail-residential combinations represent about 60% of the mixed-use deals we finance.

Office + Residential: Professional suites or co-working spaces on lower floors, with residential apartments on upper levels. These developments are increasingly popular in urban renewal precincts across Melbourne, Sydney, and Brisbane.

Industrial + Caretaker’s Residence: Warehouses, storage facilities, or light manufacturing spaces with an integrated manager’s residence. While less common in metro areas, these properties offer unique advantages for owner-operators.

Hospitality + Residential: Hotels, motels, or serviced apartments where the operator lives on-site. The residential component might be a separate apartment or integrated into the commercial structure.

What Doesn’t Typically Qualify

It’s equally important to understand what lenders don’t consider mixed-use:

• Pure commercial properties with a small office or storeroom (even if you occasionally sleep there)
• Residential properties with a home office (even if you run a business from it)
• Separate titles where commercial and residential are on different lots (these are financed independently)
• Residential properties with short-term letting (Airbnb properties are treated as residential, not mixed-use)

The key determinant is whether the property has genuine dual-use zoning with both commercial and residential components that contribute to the property’s income and value.

Regulatory Considerations Across Australia

Each state and territory has specific zoning requirements that affect mixed-use property financing. Here’s what you need to know:

From a lender’s perspective, proper council approval and zoning compliance are non-negotiable. I always recommend obtaining a zoning certificate early in your due diligence—it’s a $50-150 investment that can save months of wasted time.

The Dual Income Advantage: Why Mixed-Use Appeals to Investors and Owner-Occupiers

The attraction of mixed-use properties lies in their dual income potential and strategic flexibility. Let me share what I’ve learned after helping hundreds of clients evaluate these opportunities.

Financial Benefits That Actually Matter

Income Diversification: Unlike pure commercial or residential properties, mixed-use developments provide income from two distinct sources. When retail struggles, residential often remains stable. When residential vacancy increases, commercial tenants typically stay longer-term. This diversification isn’t just theoretical—I’ve seen it protect clients through multiple economic cycles.

Stronger Serviceability for Loan Approval: Here’s something most buyers don’t initially understand: lenders assess mixed-use properties by calculating serviceability on both income streams. Even though they discount residential income (typically to 70-80% of actual rent), having two income sources often results in stronger overall serviceability than a comparable pure commercial property.

Let me give you a practical example. Recently, I worked with a Melbourne investor purchasing a $2.1 million mixed-use property in Fitzroy:

• Commercial (café): $95,000 annual rent
• Residential (two apartments): $78,000 combined annual rent
• Total property income: $173,000

Even with the residential income discounted to 75% ($58,500), the combined serviceability calculation was $153,500—significantly stronger than a pure commercial property at the same price point.

Owner-Occupier Offset Strategy: For business owners, the mathematics become even more compelling. By purchasing a mixed-use property, you’re effectively:

• Eliminating your commercial rent expense
• Generating residential income to offset your loan repayments
• Building equity in both components simultaneously

I worked with a Brisbane physiotherapy practice that purchased their premises with three apartments above. Their commercial rent had been $72,000 annually. After purchase, the residential apartments generated $84,000 in combined rent, effectively making their business premises cash-flow positive while building $1.8 million in property equity.

Tax Considerations (Work With Your Accountant)

The tax treatment of commercial residential property loans is complex and depends entirely on your structure and circumstances. The Australian Taxation Office provides detailed guidance on business property deductions, though mixed-use properties require specialist advice.

Here are the general principles I discuss with clients before referring them to their accountant:

Depreciation on Both Components: You can potentially claim depreciation on building and fixtures for both commercial and residential sections. The rates and allowances differ between commercial and residential, which is why a quantity surveyor’s report is worthwhile.

GST Implications: This is where complexity increases. The commercial component typically has GST implications, while residential is GST-free. Input tax credits, margin schemes, and going concern sales all have different rules. I’ve seen business owners make $30,000+ mistakes by not understanding GST treatment.

Interest Deductibility: Generally, interest on loans for income-producing property is tax-deductible. However, if you occupy the residential component yourself, the deductibility calculation becomes more nuanced.

My standard advice: Budget 2-3 hours with a commercial property accountant before you make an offer. The $800-1,200 you invest in proper tax advice can save $10,000+ in the first year alone. If you’re considering using your SMSF to purchase commercial property, the tax implications become even more complex.

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The Financing Challenge: Why Mixed-Use Property Loans Are Complex

Now we get to the heart of why you’re reading this guide. Mixed-use property financing is genuinely difficult—not impossible, but materially more complex than financing a pure commercial or residential property.

Let me explain the three fundamental challenges that make mixed-use finance complicated, and more importantly, how we navigate them.

Challenge 1: The Valuation Problem

Commercial and residential properties are valued using completely different methodologies:

Commercial Valuation: Based primarily on capitalisation rate (cap rate) applied to net income. A commercial property generating $100,000 annual rent at a 7% cap rate would be valued at approximately $1.43 million. The valuation is income-focused.

Residential Valuation: Based on comparable sales in the area. A residential apartment’s value is determined by what similar apartments sold for recently, regardless of rental income.

Mixed-Use Dilemma: Which methodology applies? The answer: both, separately, and often contradictorily.

I’ve seen situations where the commercial component’s capitalised value is $900,000, the residential component’s comparable value is $650,000, but the property sells for $1.8 million because buyers value the combined benefits. Lenders, however, typically take the more conservative valuation approach, which can create financing gaps.

Here’s a real example from a Sydney deal I arranged last year:

• Purchase price: $2.4 million
• Commercial component valuation (cap rate method): $1.3 million
• Residential component valuation (comparable sales): $850,000
• Combined valuations: $2.15 million
• Valuation shortfall: $250,000

This created a loan-to-value ratio (LVR) problem. On paper, the buyer had a 30% deposit ($720,000), but based on the bank’s conservative valuation, the effective LVR was 74.4%—well above the standard 70% threshold for commercial residential property loans.

Solution: We structured the deal using a specialist lender who understood mixed-use valuations, accepting the purchase price as market value based on comparable mixed-use sales, not isolated component valuations. The rate was 0.35% higher than a major bank would have offered, but the deal proceeded.

Challenge 2: Serviceability Calculations

Lenders treat residential income conservatively in serviceability calculations. Here’s how different lender types typically assess mixed-use income:

Major Banks (Big 4):

• Commercial rental income: 100% counted (if lease is strong)
• Residential rental income: 70-75% counted
• Owner-occupied residential component: 0% income credit

Regional and Second-Tier Banks:

• Commercial rental income: 100% counted
• Residential rental income: 75-80% counted
• Sometimes offer slightly better treatment for long-term residential tenants

Specialist Commercial Lenders:

• Commercial rental income: 100% counted
• Residential rental income: 80-85% counted
• More flexible assessment of dual-income stability
• May consider owner-occupier residential component if your business income is strong

Let me show you how this plays out in practice. Consider a $1.5 million mixed-use property with:

• Commercial rent: $80,000 p.a.
• Residential rent: $40,000 p.a.
• Total actual income: $120,000 p.a.

Major bank assessment:

• Commercial: $80,000
• Residential: $30,000 (75% of $40,000)
• Assessed income: $110,000

Specialist lender assessment:

• Commercial: $80,000
• Residential: $34,000 (85% of $40,000)
• Assessed income: $114,000

That $4,000 annual difference might seem small, but at typical debt-service coverage ratios, it represents approximately $50,000-60,000 in additional borrowing capacity.

Challenge 3: Loan Structure Complexity

You generally cannot use a standard residential mortgage for mixed-use property, even if the residential component dominates (though speak to our team as there are occasionally work-arounds we can assist with). These properties generally require commercial loan structures, which means:

Higher Interest Rates: Commercial loans typically run 5.95% - 9.70% compared to residential mortgage rates around 0.5% to 1% less on average. On a $1 million loan, that could be $15,000-25,000 or more in additional interest annually.

Lower LVR Limits: Most lenders cap mixed-use finance at 65-70% LVR. This means you need a genuine 30-35% deposit, not the 20% that might work for pure residential.

Shorter Loan Terms: While 30-year terms are standard for residential, commercial loans often max out at 10-20 years. Some specialist mixed-use lenders offer up to 25+ years, but it’s uncommon.

Principal and Interest Requirements: Many lenders won’t offer interest-only terms on mixed-use properties, particularly if you’re occupying either component.

The reality: Most buyers are shocked when they discover the total borrowing costs are 30-40% higher than equivalent residential finance.

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The Australian Lender Landscape for Mixed-Use Property

After arranging finance for mixed-use properties across every Australian state, I can tell you with certainty: lender appetite varies dramatically. Understanding which lenders actually approve these deals—and under what conditions—is critical to your success.

Tier 1: Specialist Commercial Lenders (Your Best Bet)

These lenders focus exclusively on commercial and investment property. They understand mixed-use dynamics and have valuation panels experienced with these properties.

Typical Criteria:

• LVR: 65-70% (occasionally 75% for exceptional deals)
• Interest rates: Currently 5.95% - 9.70%
• Minimum loan: Usually $300,000-500,000
• Assessment time: 3-5 weeks from complete application

What they value:

• Quality commercial lease with established tenant
• Strong residential rental history or market
• Clear zoning and council compliance
• Experienced property investors or established businesses

Where they excel: Specialist lenders often approve deals the major banks automatically decline. I’ve found them particularly effective for:

• Retail-residential in suburban growth corridors
• Office-residential in gentrifying areas
• Industrial properties with caretaker residences
• Hospitality-residential combinations

Where they struggle: Very small mixed-use properties under $800,000 total value, or properties in regional areas where they lack valuation comparables.

Tier 2: Regional and Second-Tier Banks (Case-by-Case)

Regional banks and smaller institutions sometimes assess mixed-use properties favourably, particularly if:

• The property is in their primary operating region
• You have an existing banking relationship
• The deal is straightforward with strong income from both components

What I’ve learned: Regional banks are relationship lenders. If you’ve banked with them for years, operate your business through them, or have multiple properties already financed with them, they’re more likely to assess your mixed-use application fairly.

Typical approach:

• LVR: 60-65% (more conservative than specialists)
• Rates: Usually competitive, sometimes better than specialists
• Assessment: Longer (4-6 weeks) but thorough
• Flexibility: Higher on structure, lower on LVR

Tier 3: Major Banks (Rarely First Choice)

I need to be direct here: major banks are generally not suitable for mixed-use property finance. Their lending criteria are designed around pure commercial or pure residential, with limited flexibility for mixed-use scenarios.

Why major banks struggle:

• Rigid LVR requirements (rarely above 60-65%)
• Conservative valuation practices (separate component methodology)
• Limited appetite for properties under $2 million
• Inflexible income assessment (lowest residential income recognition)
• Automated assessment systems that flag mixed-use as high-risk

When they occasionally work:

• Substantial deposit available (35%+)
• Very strong financial position and business history
• Property in premium location with excellent tenants
• Existing banking relationship with significant deposits or business banking

In our practice, we estimate less than 15% of mixed-use applications are ultimately financed through major banks, and those that succeed typically involve exceptional financial positions or existing relationship banking.

What Lenders Actually Look For

Regardless of lender tier, these factors consistently influence approval decisions:

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Refinancing Existing Mixed-Use Property

Refinancing mixed-use property presents unique opportunities and challenges. Let me share the scenarios I see most commonly and the strategies that work.

Common Refinancing Scenarios

Refinancing Considerations Worth Understanding

Valuation Surprises (Both Directions): I’ve seen mixed-use properties revalued 15-20% higher than purchase price after just 2-3 years, particularly in areas experiencing gentrification or where the commercial component has established strong trading. However, I’ve also seen valuations come in lower than expected, particularly if vacancy has increased or the area has deteriorated.

Established Trading History: After 12-24 months of successful rental collection from both components, lenders view your property as lower-risk. This improved risk profile often translates to better rates or higher LVRs.

Switching Costs to Budget For:

My refinancing rule: If you can’t save at least 0.5% annually on your interest rate, or you can’t access at least $100,000 additional equity you specifically need, refinancing costs often outweigh benefits. For more context on when refinancing makes sense, see our guide on commercial property refinancing strategies.

When to Refinance Mixed-Use Property

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Mixed-Use Construction Finance vs. Purchase Finance

The financing approach differs significantly depending on whether you’re purchasing an existing mixed-use property or developing one from scratch. If you’re considering building, you’ll want to understand commercial construction loans in detail.

Purchase vs. Construction Finance Comparison

Construction Finance Reality Check

Cash requirements for $3M mixed-use development (retail ground floor + 4 apartments):

My honest assessment: Unless you have substantial development experience, strong financial backing, and professional project management, your first mixed-use property should be an existing, tenanted purchase rather than a development project. The risk and capital requirements are substantially higher.

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The Hidden Costs of Mixed-Use Property Finance

Beyond the deposit and loan costs, budget for these often-overlooked expenses:

Complete Cost Breakdown

Ongoing Annual Holding Costs (Example: $1.5M Property)

Critical insight: Mixed-use properties typically cost 30-40% more annually to hold than equivalent pure commercial or pure residential properties due to dual insurance requirements, higher council rates, and coordinated property management.

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Due Diligence Checklist for Mixed-Use Property

I’ve developed this checklist after seeing buyers overlook critical issues that later derailed their finance or created expensive problems.

Commercial Component Due Diligence

✅ Lease Documentation:

• Current lease agreement and all amendments
• Disclosure statement from landlord (if buying tenanted)
• Bank guarantee or bond details and status
• Outgoings schedule and payment history
• Options to renew and conditions

✅ Tenant Assessment:

• Trading history at the property (if accessible)
• Financial stability of tenant business
• Fit-out ownership (tenant vs. landlord)
• Make-good obligations at lease end
• Compatibility with residential component above/adjacent

✅ Commercial Property Condition:

• Commercial building inspection
• Commercial kitchen compliance (if hospitality)
• Fire safety systems and compliance certificates
• Disability access compliance
• Air conditioning and commercial systems condition

✅ Permitted Use and Zoning:

• Council zoning certificate
• Current use matches permitted use
• Restrictions on future commercial uses
• Noise, odour, or hours-of-operation restrictions affecting commercial operation

Residential Component Due Diligence

✅ Tenancy Status:

• Current residential tenancy agreements
• Rental payment history
• Bond lodgement confirmation
• Notice periods and current status
• Rent review schedules

✅ Residential Property Condition:

• Standard building and pest inspection
• Residential compliance (smoke alarms, safety switches, etc.)
• Kitchen and bathroom condition
• Floor and wall coverings condition
• Window coverings and fixtures status

✅ Residential Market Assessment:

• Comparable rental evidence for the area
• Vacancy rates for similar residential properties
• Tenant demand and demographics
• Future supply (planned residential developments nearby)

Whole Property Due Diligence

✅ Title and Ownership:

• Title search showing ownership and encumbrances
• Strata plan (if applicable) with notation of commercial/residential splits
• Easements, covenants, or restrictions on title
• Body corporate rules (if applicable)
• Separate title vs. single title structure

✅ Utility Separation:

• Separate electricity meters for commercial and residential
• Separate water meters (if possible in your state)
• Gas meter arrangements
• Internet and telecommunications infrastructure
• Waste collection arrangements

✅ Compliance Certificates:

• Building approval and occupancy certificate
• Fire safety compliance certificate
• Electrical safety certificates
• Plumbing compliance
• Pool safety certificate (if applicable)

✅ Council and Planning:

• Current council rates notice and amount
• Planning certificate (Section 10.7 in NSW, equivalent in other states)
• Building height and floor-space-ratio compliance
• Heritage listing or constraints
• Future rezoning or development plans for surrounding area

✅ Body Corporate (If Applicable):

• Minutes from past 12 months of meetings
• Sinking fund balance and planned expenditure
• Current year budget
• Any special levies planned or under consideration
• Building defects or litigation

My recommendation: Engage professionals for each area of due diligence. The $5,000-8,000 you invest in thorough investigations typically identifies $50,000-200,000 in issues or negotiation opportunities.

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Is Mixed-Use Property Finance Right for Your Situation?

Let me share a decision framework I’ve developed after helping hundreds of buyers evaluate mixed-use opportunities.

Decision Framework: Should You Proceed?

What Each Signal Means

If you have mostly Green Lights: You’re a strong candidate for mixed-use property finance. Your deposit, experience, and support network position you well for success.

If you have mostly Yellow Lights: Proceed carefully with comprehensive professional advice. Address the yellow light concerns before making an offer. These scenarios can work but require extra attention and possibly larger financial buffers.

If you have mostly Red Lights: Consider building more experience with simpler commercial property first, or improving your financial position before tackling mixed-use complexity. The risk of proceeding is substantial.

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How We Approach Mixed-Use Property Finance at Smart Business Plans

As a specialist commercial finance brokerage with access to 60+ different lenders, we’ve developed a systematic approach to mixed-use property financing that maximises approval likelihood while securing competitive terms.

Our Multi-Lender Assessment Process

Unlike approaching a single bank, we simultaneously assess your scenario against multiple lender panels through a staged process that minimises wasted time and credit file inquiries.

Our value proposition is simple: We know which lenders approve mixed-use finance, how they assess it, and what documentation strengthens applications. That knowledge, gained from helping over 3.300 Australian business owners and investors, typically saves you 2-6 weeks and can increase approval probability by about 40% compared to direct bank approaches.

Realistic Timeline Expectations

Faster scenarios: With complete documentation, strong financial position, and clear valuations, we’ve achieved conditional approval in 10-12 business days. However, I always recommend budgeting 6-8 weeks to avoid pressure and allow for any unexpected delays.

For more information about our approach to commercial property loans, visit our main commercial finance hub.

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Check Your Mixed-Use Property Finance Eligibility

Before we continue, take 60 seconds to assess your financing prospects with our mixed-use property loan qualifier:

See if you might qualify for a Mixed Use Commercial Property Loan >

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Real Costs: What to Actually Budget For

Let me give you realistic numbers for a typical mixed-use property purchase in Australia.

Example Scenario: $1.5 Million Mixed-Use Property

Complete Cost Analysis

Upfront Acquisition Costs:

Financing Structure:

Annual Operating Costs (First Year):

Net Cash Flow Analysis (Year 1):

Why the Numbers Still Make Sense

This is why I always say: mixed-use property is a long-term wealth-building strategy, not a short-term cash-flow play.

Even with a small negative cash flow in year one, the real returns come from:

1. Forced Equity Building: You’re paying down ~$31,000 in principal in year one alone—that’s wealth creation, not an expense.

2. Property Appreciation: At a conservative 5% annual growth, this $1.5M property increases in value by $75,000 in year one.

3. Tax Benefits: Interest ($70,875) plus depreciation (typically $15,000-25,000 annually) creates substantial tax deductions that improve your after-tax position.

4. Dual Income Stability: If the commercial tenant leaves, residential income continues. If residential has vacancy, commercial rent remains stable.

5. Rent Growth: Both commercial and residential rents typically increase 3-4% annually, improving cash flow over time.

Total Year 1 Wealth Creation:

• Principal reduction: $31,000
• Capital growth (5%): $75,000
• Tax savings (estimated): $8,000-12,000
• Combined benefit: $114,000-118,000

Meanwhile, your actual cash outlay is only $5,270—a 2,000%+ return on the modest negative cash flow.

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Frequently Asked Questions

Q: Can I use equity from my home as deposit for mixed-use property?
A: Yes, absolutely. In fact, this is one of the most common deposit sources we see. Your residential property is valued, and lenders allow you to access equity (typically up to 80% of value) to use as deposit for the mixed-use purchase. However, you’ll have two separate loans: your existing residential mortgage, plus the new commercial loan for the mixed-use property.

Q: How do lenders assess my serviceability if I’m occupying the commercial component?
A: They primarily assess your business income and financial statements. The residential rental income is factored in (at 75-80% typically), but your business must demonstrate sufficient profit to service the commercial loan component. Lenders want to see 2+ years of business tax returns showing consistent profitability.

Q: What if one component is vacant at purchase?
A: Vacant components are assessed on market rent potential rather than actual income. The lender will require rental appraisals from licensed valuers or real estate agents to confirm achievable rent. However, vacant properties are harder to finance—if possible, negotiate with the vendor to secure a tenant before settlement, or budget for a higher deposit requirement.

Q: Can I purchase mixed-use property in my SMSF?
A: Yes, SMSF can purchase mixed-use property, but with additional complexity. The property must meet the “sole purpose test” (held solely for retirement benefit), can’t be rented to related parties, and SMSF borrowing rules apply (limited recourse borrowing arrangements). This is specialist territory—you need both an SMSF specialist accountant and an SMSF finance broker. We can certainly help, but expect additional legal and accounting costs of $3,000-5,000+ to structure correctly.

Q: What happens if my commercial tenant leaves?
A: This is one of the key risks lenders assess. With vacant commercial space, you lose that income stream and must cover the full loan from other sources. Most lenders require you to demonstrate capacity to cover loan repayments even with the commercial component vacant for 6-12 months. This is why strong financial position and adequate reserves are critical. The residential income provides some buffer, but you need supplementary income capacity.

Q: Are there any first-home buyer benefits for mixed-use property?
A: Generally, no. First-home buyer benefits (stamp duty concessions, grants, etc.) apply only to pure residential property that you’ll occupy as your primary residence. Mixed-use properties are classified as investment/commercial property, disqualifying them from these programs. There may be very limited exceptions in specific states for owner-occupiers, but you should assume no concessions apply.

Q: How is mixed-use different from buying commercial and residential separately?
A: Excellent question. Buying them separately means:

• Two separate title properties
• Two separate loans (possibly from different lenders)
• Potentially lower combined LVR (could access 80% on residential, 70% on commercial separately)
• More flexibility if you want to sell one and keep the other
• No valuation complexity of dual components

Buying mixed-use means:

• Single title, single loan (usually)
• Dual income on one property (can be simpler management)
• Potentially better buying price (less competition for mixed-use than pure commercial or residential)
• Capital growth benefits from both components
• More complex to sell (smaller buyer pool)

Neither is inherently better—it depends on your strategy and circumstances.

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Taking the Next Step

Whether you’re a business owner considering purchasing your premises with residential above, or an investor attracted to the dual-income potential of mixed-use property, I hope this guide has given you clarity on mixed-use property finance in Australia.

The reality is this: mixed-use properties can be exceptional long-term investments, providing income diversification, capital growth across both components, and tax efficiency. However, they’re not for everyone, and they definitely require more sophisticated financing than standard commercial or residential property.

What You Should Do Now

If you’re serious about mixed-use property finance:

1. Assess your financial position honestly against the criteria outlined in this guide
2. Engage a commercial property accountant to discuss tax structure and entity setup (before you look at specific properties)
3. Get pre-approval for finance before making offers—this is crucial for mixed-use property where your borrowing capacity might be different than expected
4. Build a professional team: commercial property solicitor, accountant, and specialist finance broker who understand mixed-use scenarios

If you’re still exploring whether mixed-use is right for you:

Read our related guides:

• Commercial Property Loans in Australia – Understanding the broader commercial finance landscape
• Mixed-Use Property Loans – Our product page with current rates and lender options
• Commercial Construction Loans – If you’re considering developing mixed-use property
• SMSF Commercial Property Guide – Using super to purchase mixed-use property

Use our calculators:

• Commercial Property Borrowing Calculator – Estimate your borrowing capacity
• Buy vs Rent Calculator – Compare purchasing versus leasing

Learn about our approach:

• Why Choose Smart Business Plans – Understanding how specialist brokers add value
• Contact Us – Discuss your specific mixed-use property scenario

Have Questions About Your Specific Situation?

Every mixed-use property scenario is unique. Your property configuration, financial position, business structure, and investment goals all influence the optimal financing approach.

Book a free consultation with our commercial finance team to discuss:

• Your specific mixed-use property or development
• Realistic borrowing capacity for your financial position
• Which lenders are likely to approve your scenario
• Optimal loan structure for tax and cash flow efficiency
• Timeline and process expectations

Contact Smart Business Plans:
📞 Phone: 1300 262 098
🌐 Website: www.smartbusinessplans.com.au

Or use our online enquiry form and we’ll call you within 24 hours.

Disclaimer: This guide provides general information only and should not be considered financial advice. Mixed-use property finance involves complex legal, tax, and financial considerations that vary based on individual circumstances. Always consult qualified professionals including solicitors, accountants, and licensed finance brokers before making property investment decisions. Interest rates, lending criteria, and regulations change regularly—this content is current as of December 2025.