Specialist mezzanine finance for Merseyside's developers

Development gap funding across the Merseyside area

Across the 6 Merseyside towns we monitor, 186 residential units are moving through live planning applications, an estimated £31.0m of gross development value. Liverpool recorded 4,551 sales in the last 12 months, while Southport carries the county's strongest pricing at a median of £215,000.

That data is not decoration: it is how we underwrite. A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so we track every live application and recorded sale in the towns above before we price a Merseyside deal. The same numbers are published openly in our UK development pipeline tracker.

Liverpool is the largest city, sited on the east bank of the Mersey Estuary. The metropolitan county comprises five boroughs: Liverpool, Knowsley, St Helens, Sefton and Wirral.

The product itself works the same in Merseyside as everywhere we lend: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from 35 percent of cost to 5 or 10. Terms run 6 to 36 months with pricing indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model your own scheme with the leverage calculator.

Merseyside's development pipeline, measured

Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.

Where we lend in Merseyside, England

Southport

93 units sit in Southport's live planning applications, an estimated £19.2m of GDV. The median sold price over the last 12 months is £215,000 (up 2.4% year on year), across 1,131 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Bootle

93 units sit in Bootle's live planning applications, an estimated £11.8m of GDV. The median sold price over the last 12 months is £135,000 (up 8% year on year), across 465 recorded sales. Schemes here are underwritten against that evidence, not against optimism.