Commercial Mortgage Broker Liverpool, 90+ Lenders
Owner-occupier freeholds. Commercial investment with ICR-led underwriting. Semi-commercial shop-with-flat. Portfolio refinance for landlords carrying five-plus assets. Trading-business mortgages for pubs, hotels, care homes, dental, MOT and nurseries. Commercial remortgage. Bridge-to-let. Second-charge behind a senior facility. Eight products, one broker, a 90+ lender panel. Indicative terms in 48 hours. Commercial mortgages are unregulated and fall outside the Financial Conduct Authority's regulated mortgage perimeter, where a deal would require regulated permissions, we refer to a regulated firm.
Where the deals are placed across Liverpool and the Liverpool City Region
From the Liverpool Commercial District (Castle Street, Old Hall Street, Water Street) office investment market through the Baltic Triangle creative-studio belt, the Lark Lane and Aigburth (L17) semi-commercial parades, the Mossley Hill, Allerton and Woolton (L18 to L25) care-home cluster, and the Speke and Garston industrial corridor. Use the map below to see live placement activity across the City of Liverpool.
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Owner-occupied commercial mortgages, buying your business's freehold
When the business buys the building it trades from, the lending test is EBITDA cover, trading profit measured against the monthly mortgage payment, with a typical comfort threshold of 1.3 to 1.5x. This is the dental partnership taking a Knowledge Quarter surgery freehold off a retiring principal next to the Royal Liverpool University Hospital; the accountancy firm converting a Castle Street lease into a floor purchase; the engineering business buying its Speke trade-counter unit off the landlord. Two years of clean filed accounts is the standard minimum. LTV runs to 75%, deposits of 25 to 30% are typically funded from accumulated retained profit (and occasionally capital-released equity from a director's home).
Allica Bank, Shawbrook, Hampshire Trust Bank, Cambridge & Counties and Cynergy Bank sit at the sweet spot for owner-occupier lending. Lloyds commercial banking, NatWest, Barclays and Santander all run Merseyside corporate desks and price competitively where the covenant is strong and the sector is mainstream. Mid-2026 interest rates: 6.0 to 7.5% pa. Term length is the lever that materially changes affordability, extending repayment from 15 to 20 years frequently clears the EBITDA test where rate alone will not. Owner-occupier sits outside FCA regulation in most cases (it is a business borrowing for business premises, not a residential mortgage).
Sectors with the deepest lender appetite in Liverpool: dental and GP practices (the Knowledge Quarter / RLUH-adjacent cluster and the L18 / L25 Allerton and Woolton suburban belt), accountancy, legal and other professional services across Castle Street and Old Hall Street, light industrial and trade-counter in Speke, Garston and the Edge Lane corridor, and SME freeholds across Lark Lane, Allerton Road and Aigburth. Sector-specialist trades, care home, MOT, day nursery, route through trading-business mortgages instead.
Owner-occupier guide →Commercial investment mortgages, buying or refinancing let stock
A commercial investment mortgage is long-term debt against a let property held as an income-producing asset. The borrower is usually a limited company SPV, an LLP, or an individual investor; the security is the building; the affordability test is rent against the cost of borrowing. The headline metric is ICR (interest cover ratio), gross rent divided by interest cost, typically required at 140 to 160% stressed at a notional rate 1 to 2% above pay rate. Some lenders also test DSCR on a fully-amortising basis at 130 to 145% cover. LTVs of 65 to 75% are standard for income-producing assets with a clear lease.
Tenant covenant and lease length carry as much weight as LTV. A 10-year unbroken FRI lease to a national covenant on an Old Hall Street office floor prices materially better than three two-year leases to local independents on a secondary suburban parade. NatWest, Lloyds, Barclays and Santander compete hard on prime single-asset investment; Shawbrook, InterBay Commercial, LendInvest and Together cover the trickier end (multi-let, short-WAULT, semi-commercial, vacant-with-refurb). Interest rates currently 6.5 to 8.5% pa.
Active areas: Liverpool Commercial District office and retail along Castle Street and Old Hall Street, Baltic Triangle creative-studio investments, Liverpool Waters fringe mixed-use, Liverpool ONE adjacent retail, and the Anfield and Aintree mid-market parades.
Investment mortgage guide →Semi-commercial, shop-with-flat and mixed-use stock
Semi-commercial finance funds mixed-use property where the residential element is at least 40% of total floorspace, the classic shop-with-flat-above archetype that defines Liverpool suburban high streets like Lark Lane in Aigburth (L17), Allerton Road (L18), the Penny Lane and Smithdown Road spine in Wavertree (L15), and the Bold Street stock in Ropewalks (L1). The flat above gives lenders residential security comfort, so semi-commercial routinely prices 50 to 100bps inside pure commercial investment.
InterBay Commercial (part of OSB Group) and Shawbrook are the two most active named desks; LendInvest, Together, Aldermore, YBS Commercial and Hampshire Trust Bank also quote actively. The lending test combines commercial rent and residential AST income on a blended basis, with cover typically required at ~145%. LTV to 75% is achievable on standard archetypes. Where the borrower will personally occupy one of the flats, the deal can fall under FCA-regulated mortgage rules, we flag that at outset and route to a regulated lender if it applies.
Common Liverpool archetypes: shop with one to three flats over (Lark Lane parades, Allerton Road, Penny Lane / Smithdown Road, Bold Street), pub or restaurant with operator flat above, and Class E to residential conversions where consent is for ground-floor retail plus four to six apartments on upper floors. For HMO conversions see our HMO block page.
Semi-commercial guide →Portfolio refinancing, five assets and up, one facility
Portfolio refinance is the right structure when you are carrying five or more commercial investment assets and the patchwork of individual mortgages, maturity dates and lender relationships has become operationally heavy. Consolidating into a single facility, secured as a blanket charge across the portfolio, or as individual charges aggregated against a single limit, gives you one interest rate, one renewal date, and one set of covenants to manage.
Shawbrook, Cambridge & Counties, InterBay Commercial and Cynergy Bank are the most active portfolio lenders for the £2M to £15M Liverpool bracket. OakNorth and Reliance Bank cover larger facility sizes. Aggregate ICR is tested across the portfolio at 140 to 150%; tenant concentration matters (more than 20 to 25% of income from one tenant tightens pricing); sector concentration matters; Merseyside geographic concentration is fine.
Typical mid-2026 terms: LTV 65 to 70% across the portfolio, term 5 to 25 years (most landlords take a 5-year fix inside a 20 to 25 year amortisation), pricing 6.5 to 8.5% pa. The portfolios we see most often: Wavertree, Childwall and Edge Lane landlord books consolidating 3 to 7 mixed semi-commercial assets across L15, L16 and L7, plus premium L18 and L25 portfolios across Mossley Hill and Allerton, and mid-market Anfield and Walton books across L4 and L9. We model the portfolio every which way before approaching lenders so the credit pack lands clean first time.
Portfolio refinance guide →Trading-business mortgages, pubs, care homes, dental, MOT, nurseries
Trading-business mortgages fund operational property where value is bound up with the business that runs from it. Pubs on Bold Street, Lark Lane and Penny Lane, plus Cavern Quarter venues on Mathew Street; hotels along the waterfront, around the Cruise Terminal and the Liverpool John Lennon Airport corridor at Speke; care homes across Mossley Hill, Allerton and Woolton in L18 and L25; MOT and petrol forecourts along the A580 East Lancs Road, the A565 dock corridor and the M62 fringe; day nurseries in Allerton, Mossley Hill and the Aigburth suburban belt; dental practices around the Royal Liverpool University Hospital and the Knowledge Quarter.
Underwriting is sector-specific. Pubs: barrelage, EBITDA, beer-tie status, license, Cynergy Bank and ASK Partners dominate, with significant Aintree and Anfield racing-day hospitality flow. Hotels: occupancy, ADR, RevPAR. Care homes: CQC rating, occupancy, weighted-average bed value, council/private fee mix, Shawbrook, Cambridge & Counties and Hampshire Trust Bank hold significant Liverpool books, particularly across the L17 / L18 / L25 premium cluster. Dental: NHS UDA value plus private fee mix. MOT: VOSA approval, environmental due diligence. Nursery: Ofsted rating, registered places, occupancy.
LTVs run 60 to 70%, term 15 to 25 years, interest rates 7.0 to 9.0% pa. Different sub-sectors route to different lenders, getting the right desk first time saves three weeks. Trade-specific landing pages: pub & restaurant, leisure & hospitality, care home & healthcare, MOT / garage / petrol, nursery & school.
Trading-business guide →Refinancing existing commercial debt, end-of-fix and capital raise
Commercial remortgage covers two distinct moments. End of a typical 5-year fix maturing into a different rate environment; or capital-raise refinancing that releases equity from a property that has appreciated since the original draw. With Bank of England base-rate trajectory through 2026 looking flatter than the 2023 to 2024 cycle, refinancing demand into Liverpool is strong, particularly on assets bought 2019 to 2021 where current valuations support a meaningfully better LTV than the original facility.
The first conversation is always ERC (early repayment charge) handling. If you are inside an ERC window, the maths often still works, saving 1.5% on rate over a fresh five-year term outweighs an ERC of 3% of redemption on most £1M+ facilities. We model both sides before recommending. Some lenders pay-down ERC against new arrangement fees; we know which.
For end-of-fix the underwriting story is usually clean, known asset, known borrower, known track record. NatWest, Lloyds, Barclays, Santander, Shawbrook, Allica, Hampshire Trust Bank, Cambridge & Counties and InterBay Commercial all compete on clean Liverpool remortgage business. Pricing for owner-occupier remortgage at 65% LTV on a strong covenant: 6.0 to 7.5% pa. Investment remortgage 6.5 to 8.5% pa.
Remortgage guide →Commercial bridge-to-let, short-term debt with a clean term-out
Commercial bridge-to-let is the right route when you are acquiring a property that is not immediately fundable on a long-term mortgage, vacant, partly tenanted, mid-refurbishment, or acquired at auction with a 28-day completion clock. A 12 to 24 month bridge funds the acquisition (and any refurb / re-letting work), with an agreed exit onto a long-term commercial investment mortgage once the asset is income-producing.
LendInvest, Shawbrook, Together, OakNorth and Hampshire Trust Bank are the most active commercial bridging desks for the Liverpool £500K to £5M bracket. Bridge interest rates currently run 0.75 to 1.10% pm (8.5 to 11.0% pa equivalent); term-out pricing back to mainstream 6.5 to 8.5% pa once the property stabilises and the ICR test passes. Interest can be serviced monthly or rolled-up; LTVs to 70% on current value, sometimes 75% on day-one purchase price plus 100% of refurb costs against GDV.
Where this works particularly well in Liverpool: Ten Streets and Stanley Dock change-of-use opportunities along the north docks; Baltic Triangle creative conversions (Class E to leisure, workshop to studio) around Cain's Brewery Village; Knowledge Quarter life sciences acquisitions adjacent to the Spine and the Royal Liverpool University Hospital; vacant city-centre office floorplates on Castle Street and Water Street being refurbished for re-letting; semi-commercial conversions on Lark Lane, Allerton Road and Bold Street parades; industrial units bought from receivers around Speke and the Edge Lane corridor; trading businesses bought as going concerns where the new operator needs 12 months of accounts before a high-street remortgage will engage.
Commercial bridge-to-let guide →Second-charge commercial, capital release without breaking the senior
A second-charge commercial mortgage sits behind your existing first-charge facility, secured against the same property. The senior lender retains priority; the second-charge lender takes a subordinated position. You keep the existing first-charge interest rate intact (and avoid breaking ERCs) while raising additional debt against the same security. The use case is narrow but valuable, typically a 3.5 to 4.5% legacy fix from the 2019 to 2021 era where breaking it would cost more than taking the second-charge route.
InterBay Commercial, Together, United Trust Bank and select private-credit desks are the active second-charge commercial lenders for Liverpool. Pricing reflects subordinated risk: 10 to 14% pa typically, arrangement fees of 2 to 3%. Combined LTV (first plus second) usually capped at 70 to 75%, occasionally flexed to 80% on strong investment cases.
It is a niche product but the right answer when the alternative is breaking a 4% legacy fix to consolidate at 7.5%. The senior lender has to consent to the second charge being registered (a deed of consent at £500 to £2K is standard); some high-street commercial desks refuse on policy. We confirm before formally applying.
Second-charge guide →Property Types We Finance
Commercial mortgage economics vary materially by asset class, lender pools, LTV caps, DSCR/ICR thresholds and pricing all shift with the property type. Each of our services applies across the full range of Liverpool asset classes.
Available across the wider city network
Every commercial mortgage product on this page is also available across our regional sister sites, Manchester, Birmingham, Sheffield, Newcastle, Nottingham, Bristol and beyond. One broker relationship, the same 90+ lender panel, genuine local market knowledge in each city.
Owner-occupier in Manchester, portfolio refinancing across the Liverpool City Region and the wider North West, a trading-business mortgage in Newcastle, or a commercial remortgage on a Bristol office, the same panel, the same diagnostic process, the same unregulated commercial product set. See also <a href="https://commercialmortgagesbroker.co.uk/locations/merseyside/liverpool" class="text-secondary font-medium hover:underline">our Merseyside commercial mortgage broker hub</a>.
Which product fits your Liverpool deal?
Not sure whether the right route is owner-occupier, commercial investment, semi-commercial, portfolio or trading-business? Send the property details, the LTV you are aiming for, and a rough sense of the trading position or rental income. We will tell you which lender route is sensible and what indicative pricing looks like, within 48 hours, no charge for the assessment.
Or explore our how it works guide and case studies.