£5 Million Maximum loan size.
70% LTV Maximum loan value.
On difficult, unusual cases and multiple securities, legal costs will be charged pending on the merits of the case. Valuations required at our discretion, desktop and full valuations may be required.
Payment Terms
Retained interest for full term only.
At LendFirst, we specialise in fast, adaptable finance for properties with multiple uses, whether that’s residential over retail, a combination of office and living space, or more complex mixed portfolios.
These types of developments often fall outside standard lending frameworks. That’s why we take a flexible, case-led approach, considering the deal’s structure, income potential, and intended outcome to craft a solution that fits. With the ability to issue terms swiftly and deploy funds in as little as 24 hours, we help investors, landlords, and developers act decisively in time-sensitive scenarios.
When conventional lenders hesitate, LendFirst steps in with clarity, speed, and a deep understanding of complex property assets.
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Bridging Finance Success
Bridging Finance Success
Location: Bamford, UK
Asset Type: Residential Housing Development
Completion: January 2025
The client required swift access to significant capital to support a refinancing strategy. Speed and flexibility were crucial in order to meet key financial deadlines.
Construction to Completion Funding
Construction to Completion Funding
Location: Preston, UK
Asset Type: Commercial Units
Completion: March 2025
The development team required timely access to funding to transition the project from the construction phase through to practical completion.
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If you can’t find your question here contact us and we’ll get back to you.
A mixed-use bridging loan is a short-term loan designed for properties that combine different uses, such as flats above a shop, offices with storage, or larger blocks with both residential and commercial uses. Because they don’t fit neatly into “residential” or “commercial,” banks often shy away from them. At LendFirst, we take a practical approach and can move quickly to fund these projects, so you don’t miss out on opportunities.
Curious how it works for your property? Get a free quote today.
Most high-street lenders want simple boxes ticked: either all residential or all commercial.
A property with a cafe downstairs and flats upstairs may not always meet their criteria. That’s where bridging finance comes in. It provides landlords, developers, and investors with the flexibility to act quickly, whether that involves buying at auction, breaking a chain, or funding upgrades.
Need a lender that understands mixed-use? Apply with LendFirst.
Yes, and this is one of the most common uses. Bridging is ideal if you want to:
- Refurbish flats above a retail unit
- Convert unused offices into apartments
- Modernise an older mixed-use block to increase rental income
- Complete works before refinancing into a buy-to-let (a bridge-to-let exit)
- We’ve seen clients use bridging to transform struggling buildings into profitable assets, and it all starts with securing the right short-term finance.
Planning a refurbishment? Talk to our team about funding.
A valuer will assess both the residential and commercial aspects of the building, for example, the rental value of the shop or office, as well as the market value of the flats above. At LendFirst, we utilise valuers who are experts in mixed-use properties, ensuring you receive a fair valuation that accurately reflects the true potential of your property.
Curious what your property might raise? Request a quote.
We’re open to most setups, including:
- Shops with flats above
- Offices with self-storage or apartments
- Restaurants or cafés with residential units upstairs
- Blocks with ground-floor retail and upper residential
- Larger mixed-use developments
Even if some space is vacant or in need of work, we’ll still consider the deal. It’s about the bigger picture, not ticking boxes.
Unsure if your property qualifies? Speak to our friendly team today.
We usually lend between £50,000 and £5 million, with up to 65% of the property's value (LTV). For example, if your block is worth £1.5m, you might raise around £975k. If you have more than one mixed-use property, we can combine them to increase your facility's capacity.
Find out what you could borrow — get a tailored quote today.
That’s often the case with mixed-use buildings, such as when the shop is between tenants or the offices are being refurbished. Banks usually won’t touch that, but with bridging, it doesn’t have to be a deal-breaker. We’ll focus on the asset as a whole and your plan for it.
Got vacancies? See how LendFirst can help.
Absolutely. Many of our clients refinance to free up capital, whether for a new purchase, a refurbishment project, or to improve their cash flow. It’s a smart way to make your property work harder, rather than leaving money locked away.
Thinking about refinancing? Apply with LendFirst today.
Most bridging loans are repaid in a single lump sum at the end. That usually means either selling the property or moving onto a longer-term mortgage. For example, a client might bridge a block with vacant shops, refurbish it, then refinance onto a buy-to-let mortgage once tenants are in place. We’ll always work with you to make sure your exit strategy is realistic.
Need help planning your exit? Speak with our friendly team today.
Speed is the main reason people choose bridging. At LendFirst, we can often issue terms on the same day and complete the process in around 7 days. For returning clients, it can be even quicker. That speed can mean the difference between winning and losing a deal at auction or in a competitive purchase.
Need funds fast? Apply now for a mixed-use bridging loan.
How Long Does a Bridging Loan Take to Complete?
Why They Matter and How to Get Them Right
Which Is Right for Your Project?
Mixed-use properties often fail to meet the criteria of traditional lenders, making it challenging to secure financing. That’s where LendFirst mixed-use bridging loans come in.
Instead of rigid criteria, we take a case-by-case approach, looking at the deal itself, the income it can generate, and what you’re aiming to achieve. This means we can move quickly and provide you with a solution tailored to your needs. In many cases, we can issue terms the same day and release funds within 24 hours, so you don’t lose out when timing is critical.
Whether you’re an investor buying at auction, a landlord refinancing, or a developer releasing equity, LendFirst’s mixed-use bridging finance gives you the speed and certainty you need when high-street lenders hesitate.
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