Merseyside · North West England

Mezzanine finance for Liverpool developers

Second-charge development funding to 90 to 95 percent of cost, priced against Liverpool's own evidence: 4,551 recorded sales in the last 12 months. We lend from our own book and arrange whole of market where that serves you better.

All of Merseyside
£167k
Median sold price, 12m
4,551
Sales recorded, 12m
+5.7%
Price change, year on year
+10.7%
New build premium

The Liverpool market, in numbers we underwrite from

A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so every Liverpool deal starts with the local evidence. Over the last 12 months the town recorded 4,551 sales at a median of £167,000, up 5.7 percent year on year. New build stock commands a premium of about 10.7 percent over existing homes on 37 new build completions, which matters directly to how we read a developer's sales assumptions.

What Liverpool stock actually sells for

Property typeMedian sold price, 12m
Detached£367,500
Semi-detached£235,000
Terraced£146,000
Flats£132,500

HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.

Gap funding for Liverpool schemes

The structure is the same one we write everywhere: 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 around 35 percent of cost to 5 or 10. Terms run 6 to 36 months, pricing is indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model a Liverpool scheme with the leverage calculator, or see the wider county picture on our Merseyside page and the national view in the UK development pipeline tracker.

Indicative terms in Liverpool

  • Loan size£250k to £5m
  • Combined leverageUp to 90 to 95% LTC
  • Term6 to 36 months
  • PricingFrom 12% a year
  • SecuritySecond charge plus PGs
  • DecisionTerm sheet in 48 hours

Indicative only; every loan is priced case by case.

FAQ

Mezzanine in Liverpool, answered

Do you fund developments in Liverpool?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Liverpool and across Merseyside, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.

What does the Liverpool market look like right now?

Over the last 12 months Liverpool recorded 4,551 sales at a median of £167,000, up 5.7 percent year on year. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Liverpool?

On the last 12 months of Land Registry data, the 37 new build sales in Liverpool priced about 10.7 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Liverpool appraisal.

How quickly can a Liverpool scheme get terms?

A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.

Building in Liverpool?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Liverpool evidence on this page.