Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Formby and Merseyside.
Direct relationships with executives and board members of the UK's leading lenders
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
“Affluent village with famous red squirrel beach. Strong National Trust tourism. Premium residential.”
— CMB Market Analysis
Very limited due to Green Belt; Formby village centre public realm; National Trust Formby visitor facilities; coastal erosion management; Formby Pool investment; modest housing allocations
| Property Type | Prime / Grade A | Secondary | Market Range |
|---|---|---|---|
| Office | £12 psf | £5 psf | £5 - £12 psf |
| Retail / Shop | £22 psf | £15 psf | £15 - £22 psf |
| Industrial | £5 psf | £4 psf | £4 - £5 psf |
Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.
Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.
Formby benefits from growing private investor interest, particularly in office & professional services opportunities.
Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.
Grade B office building, Formby Beach
Corner retail unit with display frontage, Little Altcar
Light industrial unit with yard, Ainsdale
35-room boutique hotel, Ainsdale
76-bed residential care facility, Freshfield
Town centre restaurant premises, Formby Beach
Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.
Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Formby. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileFormby presents development opportunities linked to Very limited due to Green Belt. Growing demand from the Independent Retail sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Strong appetite for quality properties.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Formby and the wider Merseyside region, from independent retail investments to professional office relocations.
Formby is an affluent Sefton village known for its National Trust red squirrel reserve and dramatic Formby Point sand dunes. The commercial property market benefits from strong demand across Independent Retail, Professional Services, Healthcare sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 4.7% and 11.5% price growth over five years, Formby offers compelling returns for commercial property investors. Excellent connectivity via Merseyrail Northern Line to Liverpool (30 mins) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Very limited due to Green Belt, further enhances the investment outlook and signals sustained public and private sector confidence.
Competition for quality commercial stock in Formby has increased as investor demand spreads beyond core cities. Understanding local planning policies and Section 106 requirements is essential for development-led strategies.
Formby's commercial property landscape has been shaped by Very limited due to Green Belt. Growth in the Independent Retail sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.
The local planning authority for Formby operates within Merseyside, with policies that support sustainable commercial development and town centre vitality. The local plan identifies key development sites and employment areas, and the council has demonstrated a pragmatic approach to commercial property applications.
Commercial property news for Formby will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Merseyside.
Commercial mortgage services available across Formby and surrounding areas. View larger map
Office rents in Formby range from approximately £5 per square foot for secondary space up to £12 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £9 per square foot. These figures are based on Q1 2026 regional market benchmarking.
Investment yields in Formby vary by property type and grade. Current indicative yields are: offices at 7.59%-8.34%, retail at 8.54%-10.24%, industrial at 6.23%-8.59%, residential single-let at 8.35%, HMOs at 11.43%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.
Formby's commercial property market includes offices, retail units, industrial premises, care homes, hotels and guest houses, pubs and restaurants. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.
HMO investments in Formby can achieve yields of approximately 11.43%, compared to 8.35% for standard single-let properties. Formby has established HMO demand in key residential areas. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.
Care homes in Formby typically trade at around £37,000 per registered bed. A typical 43-bed home would therefore be valued between £740k and £2.2m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.