Commercial Mortgages Liverpool Waters

The Liverpool Waters commercial property market

Liverpool Waters is the single largest commercial regeneration masterplan on Merseyside. The Peel L&P scheme runs along the north waterfront from Princes Dock to Bramley-Moore Dock, mixing residential towers, hotels, office, leisure and public realm. The Bramley-Moore Dock plot delivers the new Everton FC stadium, which has reshaped the north-end leisure economy. Princes Dock anchors the southern Liverpool Waters cluster, with hotel, office and apartment stock fronting the Cruise Terminal.

Commercial mortgage flow splits three ways. Hotels along Princes Dock and the Cruise Terminal corridor route through Shawbrook, Cynergy Bank, OakNorth and the four high-street RM teams on the £2M+ stock. Mixed-use stabilised plots refinance via Shawbrook, InterBay Commercial, Cambridge & Counties and Cynergy Bank on ICR. Development exit on practically-complete residential-over-retail phases is one of the highest-volume 2026 products, with OakNorth, Cambridge & Counties and Shawbrook dominating the larger end.

HM Land Registry residential transactions across L3 and L5 are concentrated in apartment towers on the Princes Dock spine. Used as a market-temperature signal they confirm the waterfront residential market continues to absorb supply, which underwrites the ground-floor F&B and hotel income on the mixed-use commercial stack. Stamp duty applies at the commercial rates on every freehold commercial purchase.

Active commercial property types at Liverpool Waters

Lender appetite for Liverpool Waters hotel, mixed-use and development exit

Hotels via Shawbrook, Cynergy Bank, OakNorth and the four high-street RM teams (NatWest, Lloyds, Barclays, Santander). Mixed-use stabilised investment via Shawbrook, InterBay Commercial, Cambridge & Counties and Cynergy Bank. Development exit on PC schemes via OakNorth, Cambridge & Counties and Shawbrook on the £2M+ stock. Bramley-Moore-adjacent leisure trading-business via Cynergy Bank and specialist licensed-trade desks. Commercial mortgages are unregulated lending and fall outside the FCA's regulated mortgage perimeter, we do not hold FCA authorisation because the products we arrange are unregulated.