Liverpool Development Finance
development finance liverpool

Development finance for Liverpool property developers.

Senior debt, stretch senior, mezzanine, JV equity and exit finance — sourced from 100+ specialist lenders and structured around your Liverpool scheme. Indicative terms in 48 hours.

Get indicative termsCall 0151 321 5050
Terms in 48 hours100+ specialist lenders£300M arranged
£300M+

Capital arranged

500+

Deals completed

100+

Lender panel

20+

Years in market

Liverpool · right now

The market, in numbers.

last 12 months

100+

Lenders

Active on panel

48hr

Indicative terms

From complete enquiry

£300M+

Arranged

Across the network

90%

Max LTC

Stretch senior

Why Liverpool

Two waterfront mega-schemes, a Knowledge Quarter pipeline, and one of the most active regional development markets in the North West.

Liverpool is one of the North West’s most active regional development markets. Liverpool Waters — Peel L&P’s £5bn northern dock regeneration — is reshaping the central waterfront, with consented towers, the Tobacco Warehouse at Stanley Dock complete, and the Pall Mall office cluster delivering. Across the Mersey, Wirral Waters (£4.5bn) is unlocking c.13,500 homes around the East and West Float docks, supported by the Hind Street regeneration framework in Birkenhead town centre. Festival Gardens in south Liverpool is bringing c.2,400 homes to the former Garden Festival site.

The Knowledge Quarter is the second engine. University of Liverpool (c.32,000 students), Liverpool John Moores University (c.28,000 students) and Liverpool Hope together drive sustained PBSA pipeline concentrated in the Knowledge Quarter, the Ropewalks, and the central core, with Paddington Village anchoring c.£1bn of life-sciences and education floorspace. The Liverpool City Region Combined Authority — under the Mayor of LCR — coordinates strategic delivery across Liverpool, Sefton, Wirral, Knowsley, St Helens and Halton.

I arrange development finance across every corner of Liverpool City Region and every mainstream asset class — residential, commercial, industrial, mixed-use, PBSA, BTR, hotel, care home, retail, and office. Facility sizes from £500K to £20M+. One specialist broker, the full lending stack, indicative terms in 48 hours.

The lending stack

Every product, the real numbers.

Indicative ranges pulled from live lender positions — market conditions and borrower profile shift these every month.

Senior Development

Standard product. New build, conversion, refurb. Day-one land + staged build drawdown.

Facility

£500K – £30M

LTC

up to 70%

LTGDV

up to 65%

Rate

7.0 – 9.0%

Stretch Senior

Capital-efficient. For experienced developers with proven track record.

Facility

£750K – £25M

LTC

up to 85%

LTGDV

up to 70%

Rate

7.5 – 10.0%

Mezzanine

Second-charge behind senior. Bridges the equity gap on larger schemes.

Facility

£250K – £10M

LTC

up to 90%

LTGDV

up to 75%

Rate

10 – 15%

JV Equity

Equity partner into the SPV. For proven operators scaling deal flow.

Facility

£500K – £20M

LTC

up to 100%

LTGDV

negotiated

Rate

Profit share

Development Exit

Refinance senior on practical completion. Release equity while you sell.

Facility

£500K – £25M

LTC

—

LTGDV

up to 75%

Rate

6.5 – 8.5%

Conversion / Refurb

Light refurb, heavy refurb, commercial-to-residential, PDR conversion.

Facility

£250K – £10M

LTC

up to 75%

LTGDV

up to 70%

Rate

7.5 – 10.5%

See every product in detailModel your scheme
Model the deal

Sanity-check your scheme in a minute.

Drop in your GDV, build costs and term. The calculator is pre-set at market-typical senior ratios (70% LTC / 65% LTGDV) so the output reflects what Liverpool lenders are quoting this month, not last cycle.

For a tailored quote with live lender positions, call me on 0151 321 5050.

Scheme inputs

Drag the sliders.

£2,500,000
£1,700,000
£1,200,000
£500,000
18 months

Based on Liverpool market averages

Your estimate

Indicative Loan Amount

£1,190,000

Lower of 70% LTC and 65% LTGDV — capped by LTC.

Loan to Value
47.6%
Loan to Cost
70.0%
Profit on Cost
47.1%
Indicative Rate
7.5% – 9.5% pa
Est. Monthly Interest
£8,429
Est. Total Interest (18m)
£151,725

Get tailored terms for these numbers

Your modelled GDV / cost / loan numbers are attached automatically. Indicative only — actual terms depend on scheme specifics and live lender appetite.

Lender panel

100+ lenders, one broker.

We hold live relationships with every mainstream and specialist lender active in the Liverpool market — from challenger banks to specialist development funds. One enquiry, one integrated negotiation across the whole panel.

Below: a selection of lenders we have placed Liverpool development deals with in the last 18 months.

Shawbrook

Challenger bank

Paragon

Challenger bank

United Trust Bank

Specialist bank

OakNorth

Challenger bank

Aldermore

Specialist bank

Together

Specialist lender

Assetz Capital

Specialist lender

Octane Capital

Specialist lender

LendInvest

Specialist lender

Maslow Capital

Specialist lender

Atelier Finance

Specialist lender

Puma Property Finance

Specialist lender

Close Brothers

Specialist bank

Hope Capital

Specialist lender

MT Finance

Specialist lender

Avamore Capital

Specialist lender

Glenhawk

Specialist lender

Investec

Private bank

Key development zones

Where Liverpool is building.

View all areas
Liverpool City Centre development area

Liverpool City Centre

24 active

Explore area
Baltic Triangle development area

Baltic Triangle

18 active

Creative-led mixed-use district (L1/L8) — conversion, BTR and studio workspace.

Explore area
Ropewalks development area

Ropewalks

12 active

Georgian and Victorian conservation area — listed conversion, boutique residential, F&B.

Explore area
Knowledge Quarter development area

Knowledge Quarter

15 active

University and life-sciences cluster (L7) anchored by Paddington Village.

Explore area
Anfield development area

Anfield

10 active

North Liverpool HMO/BRRR core (L4/L6) with stadium-led regeneration.

Explore area
Toxteth development area

Toxteth

11 active

Inner-south regeneration district (L8) adjacent to the Baltic Triangle.

Explore area
Aigburth development area

Aigburth

7 active

Affluent south Liverpool suburb (L17) — family housing and boutique residential.

Explore area
Allerton development area

Allerton

6 active

Premium south Liverpool residential (L18) — apartment and family-housing demand.

Explore area
Wavertree development area

Wavertree

9 active

Mature inner-east residential (L15) with strong HMO and student-overflow demand.

Explore area
Walton development area

Walton

8 active

North Liverpool town-centre regeneration — BRRR and value-add residential.

Explore area
Bootle development area

Bootle

9 active

Sefton waterfront town (L20) with port-led mixed-use and regeneration delivery.

Explore area
Birkenhead development area

Birkenhead

14 active

Wirral town centre (CH41) anchored by Wirral Waters and Hind Street regeneration.

Explore area
Case studies

Real schemes, real facilities.

Ropewalks Listed Conversion

32-unit Grade II warehouse · 14m

£5.4M · 72% LTC

Knowledge Quarter PBSA

210-bed purpose-built student · 16m

£11.2M · 70% LTC

Allerton Boutique

14-unit apartment scheme · 11m

£2.9M · 70% LTC

View all case studies
Who you’re speaking to

The human behind the panel.

Hi — I'm Matt. I've spent two decades in property lending, most of it arranging development facilities for Liverpool developers. What I do now is simple: I bring schemes I believe in to lenders I already know, and I don't waste anyone's time if the numbers don't work. If you want a straight answer on your scheme, send it through — you'll hear back within 48 hours, and it won't be a form response.

Matt/Founder · 20+ years in development finance

Meet the teamSee our deals

Experience

20+ years

In property lending, including senior HBOS corporate banking.

Arranged

£300M+

In development facilities across the UK.

Lender panel

100+ lenders

Live relationships with every mainstream and specialist development lender active in the UK market.

Network

Construction Capital

Part of the UK's largest independent development finance brokerage.

What clients say
We needed stretch senior for a Liverpool Waters-adjacent scheme. Matt’s team placed us at 8.3% with 82% LTC — materially better than the incumbent broker had quoted.

James T.

Director, North West Developments Ltd

A 210-bed PBSA in the Knowledge Quarter. Operator pre-let in place, funded 22 working days from enquiry to drawdown. Senior 70% LTC with tight pricing from a specialist student lender.

Sarah K.

MD, Mersey Student Property Group

First-time developer on a 14-unit Allerton scheme. The team guided me through every step — funded in 4 weeks, couldn’t recommend them more highly.

David R.

Property Developer, Liverpool

Frequently asked

Development finance FAQs.

Development finance in Liverpool is a specialist short-term property loan used to fund the construction, conversion or heavy refurbishment of residential, commercial and mixed-use schemes across the Liverpool City Region. Facilities are typically senior debt at up to 70% LTC / 65% LTGDV, with stretch senior to 85% LTC and mezzanine lifting total leverage to 90%. With Liverpool delivering Liverpool Waters, Wirral Waters, Paddington Village and a sustained PBSA pipeline, lender appetite is strong. Our development finance services cover schemes from £500K to £20M.
Liverpool development finance facilities typically range from £500,000 to £20,000,000. Senior at 70% LTC, stretch senior to 85%, and senior + mezzanine combined to 90% LTC. For larger waterfront schemes in Liverpool City Centre or the Baltic Triangle, institutional forward-fund structures can accommodate larger ticket sizes. Use our development loan calculator for an instant estimate.
Liverpool development finance currently sits between 7.0% and 12% per annum, driven by loan-to-value, borrower experience, scheme location and exit strategy. Liverpool benefits from a competitive North West lender market — national challengers, specialist development lenders, and institutional investors all active in the city. Our 100+ lender panel gives every Liverpool scheme a full market view.
We issue indicative terms within 48 hours of receiving a complete enquiry. Full completion typically 2–4 weeks subject to valuation and legals. Exceptional transactions fund in 10 working days.
We finance every mainstream asset class: residential, commercial, industrial, PBSA (Knowledge Quarter, Ropewalks, central), BTR, hotel, care home, mixed-use, and permitted development conversions. Ropewalks and Baltic Triangle listed conversions and Allerton / Aigburth premium residential are particular specialisms.
Most lenders require at least outline planning permission. Specialist lenders on our panel will consider pre-planning funding for experienced developers with strong track records on viable schemes. Liverpool City Council’s Local Plan, the Liverpool Waters Strategic Regeneration Framework and the Wirral Local Plan give strong policy support across the central waterfront, Knowledge Quarter and Birkenhead regeneration zones, which helps underwriting.
Mezzanine finance is a second-charge development loan sitting behind the senior facility, letting Liverpool developers raise total borrowing to 85–90% of project costs. Mezz rates typically 10–15% pa but materially cheaper than JV equity. We arrange mezz alongside senior debt and stretch senior.
The full Liverpool City Region: Liverpool City Centre, Baltic Triangle, Ropewalks, Knowledge Quarter, Anfield, Toxteth, Aigburth, Allerton, Wavertree, Walton, Bootle, Birkenhead. Beyond Liverpool we fund schemes across Manchester, Chester, Warrington and the wider North West.
Scheme appraisal / feasibility, planning permission (or application reference), QS-signed cost plan, developer CV with comparable completed schemes, 12 months’ bank statements, proof of equity, professional-team contact sheet. PBSA or hotel schemes also need operator agreements.
A specialist Liverpool broker understands what national brokers miss — Liverpool City Council planning priorities, the Liverpool Waters Strategic Regeneration Framework, the Wirral Local Plan, Ropewalks and Stanley Dock conservation-area design expectations, and the realistic price points on central-core land. With £500M+ arranged across a 25-year career and a corporate-banking background, we place your Liverpool scheme with the right desk first time.
Next step

Send me your scheme.
Real numbers in 48 hours.

I’ll shortlist three to five lenders, run your deal against their live positions, and come back with structured indicative terms. If the numbers don’t work, I’ll tell you straight — I don’t waste your time or mine.

Get indicative terms0151 321 5050