CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Liverpool and Merseyside. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Liverpool commercial property finance, offices, retail and mixed-use assets
Liverpool commercial property delivers 7.2% average yield with 26.8% five-year price growth.
Liverpool ranks among the UK's strongest commercial property markets on both income and capital growth, a profile lenders treat favourably for SPV-led acquisitions.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial 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
The factors lenders weigh when assessing Liverpool commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Liverpool Waters is one of UK's largest regeneration schemes. Baltic Triangle established as creative and digital hub. Strong student market with three universities.”
, CMB Market Analysis
Liverpool Waters (30-year programme); Paddington Village; Baltic Triangle creative quarter
Liverpool's commercial property market is one of the most active in the North West outside Manchester, with HM Land Registry recording 5,654 commercial-leaning transactions across the city in the rolling five-year window to Q1 2026.
The Merseyside regional briefing covering Liverpool and the wider region. A Q2 2026 commercial property briefing on Merseyside, the Liverpool City Region. We walk through transaction volumes across the metropolitan county's ten principal towns, recent Acuitus auction prints anchored on a near-eleven percent print in Norris Green, and where lender appetite sits for Liverpool, the Wirral, Sefton, Knowsley and St Helens.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
Submarket-level prime rent benchmarks across Liverpool's main commercial districts, the figures that shape valuations, lender comparables and target acquisition prices.
Traditional CBD
Premium Retail
Creative Quarter
Life Sciences
Waterfront Regen
1,141 commercial sales in Liverpool across the last 60 months, sourced from HM Land Registry Price Paid Data. 1 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Epsley House, 12, Unit Up1, Gradwell Street, Liverpool
117, Eaton Road, West Derby, Liverpool
7, West Derby Village, Liverpool
275a, Hunts Cross Avenue, Liverpool
33, St Marys Road, Garston, Liverpool
109, Thornycroft Road, Liverpool
Cato Crane & Co, 6, Stanhope Street, Liverpool
Park Hall, Huyton Hey Road, Liverpool
Unit 31a, Stephenson Way, Formby, Liverpool
87, September Road, Liverpool
16, Liverpool Road, Crosby, Liverpool
14, Brick Street, Liverpool
29, Goodison Road, Liverpool
38, Charnock Road, Liverpool
22, Acorn Court, Liverpool
22, Ettington Road, Liverpool
150, County Road, Walton, Liverpool
1, Childwall Fiveways, Liverpool
110, Northway, Maghull, Liverpool
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
70,000+ students across 3 institutions drive sustained occupier demand for purpose-built student accommodation and licensed HMOs in Liverpool.
3 institutions · 70,000 students
Liverpool operates extensive Article 4 covering L1-L8, L13-L17, L18 (part)
High HMO saturation in some postcodes causes lender caution. Licensed properties preferred.
Three core debt structures cover the majority of Liverpool commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Liverpool acquisition.
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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HMO finance for houses in multiple occupation, from 4-bed student lets to large sui generis conversions.
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Student property finance across both markets: traditional student HMOs near campus and purpose-built student accommodation (PBSA) blocks.
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Care home finance for owner-operators and investors, from 20-bed residential homes to nursing and specialist dementia care.
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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 Liverpool. 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 ProfileWhat makes Liverpool fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Liverpool Waters, Paddington Village, and Knowledge Quarter offer transformational opportunities.
Strong appetite across sectors. Development finance readily available for quality schemes.
Broker Notes
Liverpool Waters £5.5bn project attracting development finance. Knowledge Quarter/Paddington Village government-backed. Some postcode sensitivity (L6-L8) for mainstream lenders. Everton Stadium surrounds creating opportunities.
Our team has extensive experience in Merseyside property finance markets.
Commercial property news for Liverpool 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 Liverpool and surrounding areas. View larger map
Recent sales, planning movement and market signals for Liverpool, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 1141 commercial property transactions in the Liverpool area over the past 60 months, with a median sale price of £120k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of 109, Thornycroft Road, Liverpool for £2,550,000 in Q1 2026, one of 9 commercial transactions recorded in the Liverpool area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Liverpool, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Liverpool deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in Merseyside.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Liverpool, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 1,141 commercial property transactions in Liverpool during the most recent reporting window. The median commercial sale price is £120,000, with the middle 50% of deals between £82,000 and £185,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Liverpool is £120,000. Smaller end deals (lower quartile) sit around £82,000, while larger transactions (upper quartile) reach £185,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Liverpool.
The most active commercial sectors in Liverpool (by recorded transaction count) are: office (1 transaction). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class. Speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Liverpool. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access, including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Liverpool. We will review the asset, sector, deal structure and lender appetite specific to Liverpool and come back with an indicative rate, LTV and term within 24 to 48 hours.