Mixed use Refinance

In simple terms, it’s a short-term loan that allows you to raise money quickly against a building with both residential and commercial space, such as flats above a shop or an office block with apartments. Instead of relying on rigid bank criteria, we look at the property, the numbers, and your exit plan. It’s a fast way for UK landlords, developers, and investors to access capital when timing really matters.

Would your property fit for a mixed-use loan? Get a free quote from our lending experts.

Our clients turn to us when they need cash quickly, to release equity for another purchase, pay off expensive debt, or cover the costs of refurbishment works. Sometimes it’s simply about creating breathing space while waiting for long-term financing to be completed. Because LendFirst can issue terms in hours and finish deals in as little as 3-10 days, you’re not left waiting around.

Need funds in a hurry? Apply with LendFirst today for fast mixed-use bridging loans.

We’ll examine a wide range of setups from shops with flats above to blocks with retail and residential units, and even larger mixed-use estates. Offices with self-storage, restaurants with apartments above, or a development that blends housing and workspace are all possible. Even if the property has vacant units or needs improvement, we’ll focus on the bigger picture and your plan for it.

Does your property qualify? Speak to our team for more information.

Most loans fall between £50,000 and £5 million, and we can usually go up to around 65% of the property’s value (LTV). So, if your block is worth £1.5 million, you might raise around £975k. For larger landlords and investors with multiple properties, we can also consider portfolio refinancing to release more capital.

See your borrowing options — request a tailored quote.

This is where bridging makes a significant difference. At LendFirst, we can often issue terms on the same day and complete the process in around 3–10 days. For returning clients, we can sometimes release funds within 24 hours. That speed can be crucial if you’re buying at auction, plugging a gap in a chain, or dealing with a time-sensitive opportunity.

Need it fast? Apply now for a mixed-use refinance loan.

Vacancies are common in mixed-use properties; a shop might be between tenants, or an office floor may be under refurbishment. High-street banks often won’t touch that, but we take a more flexible approach. As long as the asset is solid and your exit strategy is sound, we can usually still assist.

Got a vacancy challenge? Talk to our lending experts today.

Yes, and it’s one of the main reasons people come to us. Equity release can fund your next purchase, cover refurbishment costs, or boost business cash flow. Instead of waiting months for a bank refinance, LendFirst mixed-use bridging loans let you get moving quickly.

Unlock equity from your property today — apply now with LendFirst.

Bridging loans are charged monthly, typically at a rate of between 0.5% and 1.5% per month, depending on the property and the specific deal. You'll also need to factor in valuation, legal, and arrangement fees. Many of our clients choose to roll up the interest, which means they don't have to pay anything each month; it's all settled at the end of the loan.

Want a clear breakdown? Request your personalised quote from our expert lenders.

No. One of the most significant benefits of bridging is that it’s based more on the property value and your exit plan than your credit history. Even if you’ve had credit issues or your accounts are light, we’ll take a view if the numbers stack up and the repayment route is realistic. That’s why so many UK landlords, developers, and investors use LendFirst.

See if you’re eligible — apply with LendFirst online.

We get it, not everything runs to schedule in property. If your exit takes longer, we can extend the term or arrange a re-bridge. The key is to keep us updated early so we can work with you to keep your project on track.

Need more time? Contact LendFirst about extensions.