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Case Studies
7 April 2026
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Current Bank Base Rate: 3.75%
Current Bank Base Rate: 3.75%
Mixed use property financing is designed for properties that combine both residential and commercial elements, such as a shop with a flat above or an office with living accommodation.
At Advocate Finance, we specialise in arranging tailored funding solutions for mixed-use investments, helping you secure the right structure whether you are purchasing, refinancing or expanding your portfolio.
Mixed use property financing refers to funding for properties that include both commercial and residential use within the same title.
These types of properties are often referred to as semi-commercial, but financing can involve a wider range of options beyond standard mortgages, depending on the property, tenant mix and your long-term plans.
There are several ways to finance a mixed-use property, and choosing the right one depends on your circumstances and strategy.
The most common option for long-term investment, suitable for properties with stable tenants and predictable income.
Ideal for quick purchases, auction properties or short-term funding while arranging longer-term finance.
Useful where the property requires improvement, conversion or repositioning to increase value or rental income.
For larger projects, including converting commercial space into residential units or redeveloping mixed-use buildings.
Lenders will assess both the commercial and residential elements of the property, including:
The proportion of commercial vs residential space
The strength and type of tenants
Rental income and yield
Property location and demand
Your experience as an investor
Each lender has different criteria, so structuring the deal correctly is key to securing the best terms.
Mixed use property financing can be more complex than standard buy-to-let or residential mortgages.
Working with a specialist broker ensures you have access to lenders who understand mixed-use properties and can offer flexible solutions tailored to your needs.
We work with a wide panel of lenders to source competitive terms and guide you through the process from initial enquiry through to completion.
You may benefit from this type of finance if you are:
Purchasing a shop with a flat above
Refinancing an existing mixed-use investment
Converting commercial space into residential units
Expanding a property portfolio with diversified income
Looking to increase rental yield through mixed-use assets
If you are considering mixed use property financing, we can help you understand your options and secure the most suitable funding for your situation.
Speak to our team today to discuss your requirements and take the next step with confidence.
A mixed-use property is a building that combines both residential and commercial elements, such as a shop with a flat above or offices with living accommodation.
It can be more complex than standard residential or buy-to-let mortgages, as lenders assess both the commercial and residential aspects, but there are specialist lenders available.
Loan amounts will depend on factors such as rental income, property value, tenant strength and your experience, with many lenders offering competitive loan-to-value ratios.
Yes, in some cases you can live in the residential part of the property, but this may affect the type of finance available and the lender criteria.
Options include semi-commercial mortgages, bridging loans, refurbishment finance and development finance, depending on your investment strategy and the property itself.
