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Mortgage Broker in Liverpool

Written by Simon Baker BSc (Hons)  |  Reviewed by The Complete Mortgage Shop, FCA regulated (FRN 728880)  |  Last updated 1 May 2026

Liverpool is a city undergoing significant regeneration. Its iconic waterfront anchors a city that has attracted substantial investment in hospitality, cultural venues and new residential development over the past two decades. Property prices remain well below comparable cities in the South, making Liverpool attractive for first-time buyers and investors seeking above-average yields.

The Liverpool Property Market

Liverpool’s property market is more complex than its headline average prices suggest. The premium areas — Woolton, Mossley Hill, Calderstones and West Derby — carry prices that reflect leafy suburbs, good schools and family demand. The inner city is more varied: the Baltic Triangle, Knowledge Quarter and Ropewalks have attracted creative and technology sector businesses and the young professionals who work in them, driving regeneration demand for apartments and converted commercial space.

The waterfront apartment market presents specific challenges. A number of high-rise and medium-rise blocks built during the early-2000s regeneration phase have cladding and building safety issues that require an EWS1 (External Wall Survey) certificate before mortgage lenders will proceed. Buyers considering waterfront apartments should check the EWS1 position before making an offer, as properties without a satisfactory certificate may be difficult or impossible to mortgage until remediation is complete.

Buy-to-Let in Liverpool

Liverpool’s relatively low property prices and reasonable rental demand produce buy-to-let gross yields that are among the highest of any major UK city, often in the 6–8% range in the right streets. The University of Liverpool, Liverpool John Moores University and Liverpool Hope University collectively have over 50,000 students, creating a large student rental market in Kensington, Edge Hill and the L7 postcode generally.

Landlords should be aware that Liverpool City Council operates selective licensing in several areas, and HMO licensing applies to properties with five or more occupants.

Getting the Right Mortgage in Liverpool

Whether you are buying a family home in Woolton, an apartment in the Baltic Triangle, or a student HMO near the university, a whole-of-market broker can identify the right lender for your property type and circumstances.

To speak to a qualified adviser, please submit an online enquiry or call 0800 310 1340.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.