Get Mixed Use Property Loans from 5.90% - 8.80% and 60% - 70% LVR

A mixed use property loan is a form of commercial property finance designed for properties containing both business and residential spaces under one title. This type of loan has different assessment criteria than for standard commercial or residential mortgages. Our lenders typically evaluate both the commercial rental yields and the residential income streams, apply varying LVRs based on the commercial/residential ratio, and require specialist valuations as part of the application process. Interest rates typically sit between residential and commercial property interest rates at 5.90% – 8.80%.

Our clients typically need 30% – 40% deposit for mixed use property loans. We find strata complexes often require 35-40% deposit, while well-balanced retail with apartments might be able to access 30% deposit options. For commercial residential property loans, we’ve secured better LVRs for clients with established properties showing proven rental history versus new developments. Talk to our expert team to see what’s possible.

We’re currently seeing mixed use property loan rates between 5.90% – 8.80% across our lender panel. Our commercial residential finance clients often secure better rates with balanced property mixes and strong income diversity. We find owner-occupiers typically access rates 0.5-1% lower than investors for mixed use development finance.

Our lenders regularly approve finance for retail/residential combinations, office/apartment buildings, medical suites with residential units, and integrated strata complexes. We find commercial residential property loans are most readily available for properties with 40-60% commercial components. Our mixed use commercial property clients have also secured funding for live-work townhouses and heritage conversions. Our team can help assess your specific needs.

We’ve found the ratio significantly impacts terms – our lenders typically offer best rates for balanced 50/50 mixed use properties. Properties with over 70% commercial space often get assessed as pure commercial property purchase loans, while those over 70% residential may be able to access residential-style products. Our strata commercial finance applications succeed best when we clearly demonstrate the income benefits of diversification.

Yes, our lenders finance individual units within mixed use strata complexes. We find approval depends heavily on the overall building’s financial health, management quality, and owner/investor mix. Our clients purchasing strata units typically need 30% deposit minimum, though we’ve negotiated better terms for units in well-managed CBD complexes.

Our lenders typically apply different assessment ratios to commercial versus residential income. We find most use 100% of commercial rent (with strong leases) but only 80% of residential rent for serviceability. Our urban development finance applications strengthen when we demonstrate lease diversity – multiple tenants across both components reduce risk in the eyes of the lender.

Our lenders assess vacant space differently – residential vacancies are often acceptable (like standard investment loans), but commercial vacancies can limit your options. We find mixed use development finance applications succeed when we show realistic leasing strategies and evidence of market demand. Some of our private lenders will consider short-term vacancy with clear tenant prospects.

Yes, our clients regularly assess if refinancing makes sense so they can access equity for further investments or for other business purposes. We find mixed use properties with established income streams and good locations can access up to 70% LVR for equity release. Our strata complex loans for equity access depend on overall building performance and your unit’s value growth.

Yes, several of our lenders offer SMSF loans for mixed use property investment, typically at about 60-70% LVR. We find the commercial component helps to satisfy the business real property rules, while residential income provides stability. Our SMSF clients must ensure any related party leasing complies with ATO requirements. Talk to our team if you’d like us to walk you through the steps.

Mixed use properties sit between traditional commercial and residential lending, which means specialist knowledge is needed. We understand which of our 60+ lenders favour specific property types and ratios. Our expertise in presenting dual income streams and navigating strata complexities significantly improves approval chances and terms. We’ve found direct bank applications often get assessed incorrectly, missing the unique benefits of mixed use property investment.