Mixed-Use Property Mortgage Financing
Commercial mortgages for properties combining residential, retail, and office spaces across Canada, the U.S., and Mexico. We understand mixed-use dynamics-from allocating income across multiple use types to navigating complex zoning requirements.
Strategy Call
Discuss your mixed-use property and financing needs
Custom Solution
We structure the optimal financing package
Close & Grow
Get funded and expand your portfolio
Mixed-Use Financing That Understands Multiple Income Streams
Mixed-use properties combine the stability of residential tenants with the income potential of commercial spaces. We work with specialized lenders who evaluate each component properly and offer competitive terms.
Multiple Income Streams
Mixed-use properties generate revenue from residential, retail, and office tenants simultaneously. We work with lenders who know how to underwrite diversified income properly.
Cross-Border Expertise
Seamless financing across Canada, USA, and Mexico with deep knowledge of mixed-use markets from urban cores to growing suburban centres.
Zoning Expertise
Mixed-use properties involve complex zoning classifications. We navigate municipal requirements, variances, and conditional use permits to ensure your financing aligns with permitted uses.
Live-Work Specialists
Live-work and residential-over-commercial properties have unique underwriting needs. We connect you with lenders experienced in these hybrid property types.
Creative Structuring
When a property doesn't fit neatly into one category, creative financing structures are essential. We find solutions that account for every component of your mixed-use building.
Residential-Over-Retail
The most common mixed-use format-apartments above ground-floor retail-often qualifies for favorable terms due to diversified income and strong demand in walkable locations.
Ready to finance your mixed-use property?
Let's discuss your property and find the right financing solution.
Complete Mixed-Use Property Financing Solutions
From bridge loans during tenant transitions through permanent financing for stabilized buildings, we provide comprehensive solutions for mixed-use property investors.
Purchase
Competitive acquisition financing for properties combining residential, retail, office, and other commercial uses. We structure financing that properly values each income component of your building.
Discuss this financing optionWhat's Included
- Residential-over-retail buildings
- Live-work and artist loft properties
- Office-retail combinations
- Multi-component developments
- Competitive rates for stabilized buildings
What Our Clients Say
Questions About Mixed-Use Property Financing
Everything you need to know about mixed-use commercial mortgages. Can't find your answer? Book a call with our team.
Getting Started
Down payment requirements typically range from 20-35% depending on the residential-to-commercial ratio, tenant quality, occupancy rates, and your experience. Properties with a higher residential component may qualify for lower down payments.
Classification depends on the ratio of residential to commercial space. Properties that are primarily residential (over 50% residential) may qualify for residential lending programs with better terms. Properties that are majority commercial are underwritten as commercial assets.
Expect 60-90 days from application to closing for most transactions. The timeline can vary based on the complexity of the property's use types, zoning verification, and the number of tenant leases to review.
Underwriting & Rates
Lenders evaluate each income stream separately-residential rents, commercial lease income, and any ancillary revenue. They assess vacancy rates, lease terms, and market comparables for each component, then combine them into a blended net operating income for the property.
LTV ratios generally range from 65-75% depending on the property's use mix and performance. Properties with a higher residential component often qualify for higher leverage. Fully commercial mixed-use buildings are underwritten more conservatively.
Yes, the ratio significantly impacts both rates and terms. Properties with more than 50% residential space may access residential lending programs with lower rates. Predominantly commercial mixed-use buildings are priced as commercial assets with corresponding rates.
Property Types
We finance residential-over-retail, live-work spaces, office-retail combinations, residential-office-retail buildings, and custom mixed-use developments. Whether it's a two-storey building with a shop below and apartment above or a large multi-component development, we have solutions.
Yes, we offer financing for converting single-use properties to mixed-use. This includes adding residential units above commercial space, converting office buildings to mixed residential-commercial, or repurposing industrial properties. Zoning approval is typically required before financing.
Documentation & Process
Typically required: rent rolls for all use types, commercial tenant leases, residential lease agreements, operating statements, tax returns, property appraisals, personal financial statements, zoning confirmation, and acquisition or business plans.
Proper mixed-use zoning is essential. Lenders verify that all current and intended uses comply with local zoning bylaws. Properties requiring zoning changes, variances, or conditional use permits need these approvals secured before financing can proceed.
Yes, we provide financing for mixed-use properties across Canada, the USA, and Mexico. We understand the unique challenges of international mixed-use investment including local regulations, zoning requirements, and cross-border considerations.
Still have questions about your mixed-use property?
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