Development finance for Liverpool property developers.
Senior debt, stretch senior, mezzanine, JV equity and exit finance — sourced from 50+ specialist lenders and structured around your Liverpool scheme. Indicative terms in 48 hours.
Capital arranged
Indicative terms
Lender panel
Years in market
The market, in numbers.
last 12 months
50+
Lenders
Active on panel
48hr
Indicative terms
From complete enquiry
£400M+
Arranged
Across the network
90%
Max LTC
Stretch senior
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.
Every product, the real numbers.
Indicative ranges pulled from live lender positions — market conditions and borrower profile shift these every month.
| Product | Facility | LTC | LTGDV | Rate (pa) | Term |
|---|---|---|---|---|---|
Senior Development Standard product. New build, conversion, refurb. Day-one land + staged build drawdown. | £500K – £30M | up to 70% | up to 65% | 7.0 – 9.0% | 12 – 24m |
Stretch Senior Capital-efficient. For experienced developers with proven track record. | £750K – £25M | up to 85% | up to 70% | 7.5 – 10.0% | 12 – 24m |
Mezzanine Second-charge behind senior. Bridges the equity gap on larger schemes. | £250K – £10M | up to 90% | up to 75% | 10 – 15% | 12 – 24m |
JV Equity Equity partner into the SPV. For proven operators scaling deal flow. | £500K – £20M | up to 100% | negotiated | Profit share | Project life |
Development Exit Refinance senior on practical completion. Release equity while you sell. | £500K – £25M | — | up to 75% | 6.5 – 8.5% | 6 – 18m |
Conversion / Refurb Light refurb, heavy refurb, commercial-to-residential, PDR conversion. | £250K – £10M | up to 75% | up to 70% | 7.5 – 10.5% | 6 – 18m |
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%
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 020 3816 3693.
Scheme inputs
Drag the sliders.
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
50+ lenders, one broker.
We approach mainstream and specialist lenders active in theLiverpool market, from challenger banks to specialist development funds. One enquiry, one integrated negotiation across the panel.
Below: examples of lenders active in UK development finance. Naming a lender describes the market; it does not mean we have a relationship with it or that it will lend on your scheme.
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
Where Liverpool is building.
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Example Liverpool development finance scenarios.
Illustrative scenarios based on typical transaction structures, not individual completed deals.
Princes Dock BTR Tower
86-unit BTR tower · 22m
£14.8M · 68% LTC
Knowledge Quarter PBSA Scheme
120-bed purpose-built student · 15m
£9.6M · 70% LTC
Georgian Quarter Boutique Conversion
14-unit Grade II listed conversion · 10m
£2.9M · 75% LTC
The human behind the panel.
Hi — I'm Matt. I've spent two decades in property lending and banking, and these days I focus on Liverpool and the surrounding region. 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
Experience
20+ years
In property lending, including senior HBOS corporate banking.
Arranged
£400M+
In development facilities across the UK.
Lender panel
50+ lenders
We approach mainstream and specialist development lenders active in the UK market.
Network
Construction Capital
Part of the Construction Capital network of local development finance sites.
Stretch Senior — BTR Scheme
An indicative stretch senior scenario: a facility for Liverpool Waters-adjacent scheme, placed at 8.3% with 82% LTC — materially better terms than a previous broker had quoted.
Illustrative example — not a completed transaction
Purpose-Built Student Accommodation (PBSA)
An indicative PBSA scenario: a 210-bed scheme in the Knowledge Quarter, with an operator pre-let in place, funded in 22 working days at 70% LTC senior.
Illustrative example — not a completed transaction
First-Time Developer Support
An indicative first-time-developer scenario: a 14-unit scheme in Allerton, with guidance through every step and funding inside 4 weeks.
Illustrative example — not a completed transaction
Development finance FAQs.
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.