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Mortgage Lending Companies in Liverpool: 53 Active Firms (2026)
Mortgage lending companies arrange, broker and service property loans for households and businesses across Liverpool's metropolitan area.
Borrower demand tends to sit with household purchasers, remortgagers, landlords and owner-managed businesses rather than large institutional buyers. The buying centre is often informal: a household decision-maker, a property investor, an accountant, a solicitor or a finance director looking for secured borrowing options. Engagements are usually advice-led and transaction-specific, with local firms competing on lender access, case handling and knowledge of regional property types. The cohort therefore leans towards small and lower-mid-market financial services operators, mixing direct borrower work with referrals from estate agency, conveyancing, accountancy and property-professional networks.
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Liverpool has 53 actively trading mortgage lending and brokerage companies, making this a relatively compact local market rather than a broad financial-services cluster. Reported employment across the cohort is 98 people, which points to lean operating models and a high share of owner-managed or adviser-led firms. The practical footprint is still wider than payroll alone suggests, because mortgage advice, conveyancing, valuation and estate agency activity often sit in adjacent referral chains. For researchers, the Liverpool picture looks more like a specialist local intermediary market than a concentration of balance-sheet lenders.
Residential mortgage work sits inside a permissioned financial-services environment, with scrutiny around affordability, advice suitability, marketing claims and customer outcomes. Commercial, landlord and specialist secured-finance cases may follow different treatment depending on borrower status, property use and how the loan is introduced. That makes business model detail important: a local broker, packager, appointed representative and lender-facing servicer can look similar from the outside but carry different obligations. Market structure is also shaped by access to lender panels and introducer networks, so compliance capacity and referral discipline matter alongside local property knowledge.
Fragmentation appears likely to persist, partly because local trust and referral flow still matter in mortgage advice. Scale-up scarcity is also plausible: adviser-led firms can remain profitable without building large central teams, while direct lenders and national broker platforms tend to absorb more standardised demand. Local operators are likely to defend specialist niches around self-employed borrowers, landlords, complex income and commercial property finance. Margin pressure has been visible across advice-led financial services, so consolidation may continue where succession planning, compliance burden or technology spend becomes awkward for smaller practices.
53
Active firms
2026
2
Above £5M
Reported revenue threshold
12
Since 2022
New incorporations
Key facts
About 3% of the trading cohort reports turnover above £5M (2 of 53 firms) — the rest sits below that revenue band.
22% of the cohort was incorporated since 2022 (12 firms), so a sizeable share is in its first few filing cycles.
Liverpool mortgage lending firms sit close to the property transaction layer, covering borrower matching, remortgages and secured lending against property assets.
The market appears fragmented, with broker-led and specialist finance models sitting alongside a smaller balance-sheet-lending segment.
Household borrowing and commercial property finance create distinct buyer groups, with different advisory and servicing requirements.
Top Liverpool Mortgage Lending companies
Phoenix Money
Provides short‑term and specialist lending, including bridging loans for property purchases, refinancing, auction acquisitions and development projects. Also offers finance for business cash flow,…
Serves property owners, investors and developers across the UK, including buyers at auction, refinance borrowers, social housing project sponsors and businesses needing cash-flow support.
Location
Mortgageis Limited
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
HealthyHealthy · 0% CAGR over 3y
Location
MOVE FINANCIAL NORTH WEST LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage services for home buyers and property investors, advising on first-time buyer, remortgage, buy-to-let and limited company mortgages. Searches lenders across the market and…
Sells to consumers seeking residential property finance, including first-time buyers, home movers, remortgagers, buy-to-let investors and purchasers using limited companies.
Financial Health
WeakWeak · Hiring · 5% CAGR over 4y
Location
Moriarty Mortgages Ltd
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
Shawbrook Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides savings accounts and lending products including personal loans, cash ISAs, fixed-rate and notice savings accounts, buy-to-let and commercial mortgages, and finance for businesses and…
Serves individuals, established UK businesses, and property professionals, including developers, professional property investors, and residential and commercial landlords across the UK.
Financial Health
WeakWeak · Hiring · 16% CAGR over 4y
Location
J G Financial Solutions Ltd
Trajectory
3y · 2023–NowProvides mortgage advice and brokerage services, helping clients compare and arrange residential and buy-to-let mortgages from a panel of lenders. Also advises on insurance products including life…
Serves UK consumers seeking mortgage advice, home insurance, life cover and payment protection, including homebuyers, remortgagers and buy-to-let borrowers; also supports business owners needing…
Financial Health
Insufficient historyInsufficient history
Location
Forbes Securities Ltd.
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
THE MORTGAGE FAMILY LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StableStable · -78% CAGR over 3y
Location
Raise Commercial Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
RSFIN LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong
Location
SILVERBACKX LTD
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
MORTGAGENEEDS.INFO LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage brokerage and advice for homebuyers and property investors, including first‑time buyer, remortgage, buy‑to‑let and specialist cases such as self‑employed or bad credit applicants.…
Serves consumers in Wirral seeking mortgage and insurance advice, including first-time buyers, remortgagers, buy-to-let landlords, self-employed people, contractors, limited company directors and…
Financial Health
HealthyHealthy · -4% CAGR over 2y
Location
BRIDGING FINANCE (S EAST) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short-term bridging loans and property development finance, including funding for property purchases, auctions, refurbishments, conversions, and self-build projects. Lends to property…
Serves individuals, property investors and developers, plus brokers, professional advisors and intermediaries seeking short-term property finance across England, Wales and Scotland.
Financial Health
WeakWeak
Location
District and County Investments Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides property finance for residential and commercial projects, including auction purchase loans, bridging loans, land purchase funding, property development finance, and structured lending for…
Serves UK property investors, developers, individuals, partnerships and limited companies pursuing residential or commercial property opportunities, including auction purchases, land acquisitions and…
Financial Health
StableStable · Hiring · 22% CAGR over 2y
Location
SENECA BRIDGING LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term property finance including bridging loans, development finance, refurbishment and conversion loans, probate bridging finance, and revolving credit facilities. Lends to property…
Serves property investors, developers, landlords and property professionals working on residential, semi-commercial and commercial property transactions, refurbishments, conversions and development…
Financial Health
StrongStrong
Location
BRIDGING FINANCE SOLUTIONS GROUP LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term bridging loans and property development finance for investors, developers and individuals. Funds property purchases, auction acquisitions, refurbishments, conversions and…
Sells to UK property investors, developers, self-builders and individuals seeking short-term property finance, as well as brokers, intermediaries and professional advisers arranging funding for…
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
BRIDGING FINANCE (WEST) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term property finance including bridging loans, development finance, auction purchase funding, refurbishment and conversion loans, and capital release facilities for property…
Serves individuals, property investors, developers, self-builders, professional advisors and finance intermediaries seeking short-term property funding across England, Wales and Scotland.
Financial Health
WeakWeak
Location
Clive Barrington Caddick Financial Services Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
EXCELSIOR VITA LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
MULTI BROKER LTD
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong
Location
Mortgage Advice Bureau North West Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services to homebuyers and property owners, arranging residential, remortgage and buy‑to‑let loans through a network of advisers with access to multiple…
Serves UK consumers seeking mortgage and protection advice, including first-time buyers, home movers, remortgagers, buy-to-let landlords and over-50 borrowers.
Financial Health
HealthyHealthy · -10% CAGR over 4y
Location
Meredith Financial Services Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak · 0% CAGR over 2y
Location
Carl C. Grant Financial Solutions Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Tripledot Mortgages Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Make Mortgages Easy Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong · Hiring · 73% CAGR over 2y
Location
Martland Mortgages.com Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
Moneytree Financial Solutions Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides financial advice and brokerage services covering savings and investments, pensions and retirement planning, tax planning, insurance protection, mortgages, equity release, and business…
Serves individuals, families, homeowners and property buyers seeking financial advice, alongside business owners and employers needing protection, pensions and staff benefit support.
Financial Health
StableStable · Hiring · 18% CAGR over 2y
Location
Rosa Mortgages Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
MORTGAGE ADVICE PEOPLE LTD
Trajectory
4y · 2020–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StrongStrong · Growing, Hiring · 11% CAGR over 4y
Location
P3 Mortgage Group Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · -29% CAGR over 4y
Location
MELLING MORTGAGES LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StableStable · 0% CAGR over 3y
Location
RED MORTGAGES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy
Location
R J Molloy MAP Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
PROPERTY LOANS (UK) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · -68% CAGR over 4y
Location
G.A. Financial Consultancy Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
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How Liverpool Mortgage Lending companies work and how to sell to them
What they do
Liverpool mortgage lenders and brokers make money from case-based secured borrowing rather than recurring software-style subscriptions. Brokers typically earn lender-paid procuration fees, borrower-paid advice or arrangement fees, and sometimes packaging fees for more awkward cases. Balance-sheet lenders, where present, earn through interest margin, arrangement fees and ongoing servicing income. Engagement size follows the loan and the complexity of the borrower, so a straightforward remortgage has a different commercial profile from a landlord portfolio or owner-managed business case. The service is mainly advisory and administrative: fact-find, affordability review, product sourcing, document handling, lender submission and progression through valuation, legal work and completion.
Who they sell to
Most buyers are individual borrowers, landlords, property investors and smaller businesses rather than procurement-led corporate teams. The practical decision-maker may be a household applicant, a landlord, a finance director, an accountant, a solicitor or an estate agent introducing a client. Sales usually come through referrals, local reputation, online enquiry capture and repeat borrower relationships, with RFP-led buying unusual outside larger commercial borrowing. The cycle can be brief for vanilla residential cases but stretches where income is complex, security is unusual or several professional advisers are involved. Trust, responsiveness and evidence of suitable advice tend to matter more than formal vendor comparison.
What they buy
Most mortgage lending and brokerage firms tend to spend on case-management software, CRM, secure document collection, e-signature, call recording, affordability workflow, identity checks, anti-money-laundering screening and credit-search integrations. Smaller adviser-led firms also buy accounting, compliance consultancy, professional indemnity cover, local marketing, website management, review management and outsourced administration. Firms with lender-facing or servicing activity may need loan-management systems, arrears workflow, payment reconciliation, audit trails and reporting tools. Recruitment support is relevant when adviser capacity becomes the constraint; training and file-checking services matter where firms add appointed representatives or expand into landlord, commercial or specialist secured-finance work.
Why and how to sell to them
Buying urgency often appears when case volume rises faster than adviser capacity, referral partners start demanding cleaner handovers, or compliance checks slow completion. Other triggers include new permissions, adviser hires, succession planning, acquisition activity, a move into landlord or commercial finance, or a recent incorporation still building its operating stack. Sellers should usually lead with practical outcomes: fewer stalled cases, quicker document collection, cleaner audit trails, better referral attribution, lower rekeying and more predictable follow-up. Liverpool firms in this segment are often lean, so pitches that require heavy implementation or abstract strategy are less likely to land than offers tied to case progression and compliance evidence.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
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