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Mortgage Advisor & Director
Liverpool is popular for buy-to-let investments as one of the north's biggest cities. Here, you will find key information for landlords and aspiring investors, including what rental yields to expect and how to get the best mortgage deal.
Is Liverpool a good place to get a buy-to-let mortgage?
Yes. One of the biggest determining factors here is the rental yields on offer in Liverpool. The latest figures at the time of writing (December 2024) suggest that gross rental yields in the north west city are 7.44% - a healthy rental yield would be anywhere between 6% and 8%.
This data was based on the latest Rental Index from property firm Zoopla, which ranked Liverpool’s rental yield as the tenth best in the UK, slightly behind Newcastle.
The average purchase price of a buy-to-let property in the city is £129,172 and average monthly rental income is £801, higher than most other cities in the top 10.
Where are the best areas of the city to invest?
According to the latest statistics from PropertyData, some of Liverpool’s best rental yields are available in the Anfield area (L4 postcode), the home of Premier League football clubs Everton and Liverpool FC, and in close proximity to the famous Aintree Racecourse, and in the L20 postcode.
Average property prices in Anfield are £124,761 with a rental yield of 7.4%.
Other areas where favourable rental yields are available include L11, which covers Clubmoor, Croxteth, Gillmoss and Norris Green, where affordable housing is readily available, and Liverpool city centre (L1 and L3), which has benefited from regeneration schemes in recent years and has a range of flats and apartments to invest in.
|
Postcode |
Average Property Price |
Average Rental Yield |
|
L4 |
£124,761 |
7.4% |
|
L11 |
£148,590 |
6.90% |
|
L20 |
£119,184 |
7.7% |
|
L5 |
£119,184 |
6.2% |
|
L21 |
£151,263 |
6.3% |
|
L3 |
£174,615 |
6.6% |
|
L13 |
£145,967 |
6.9% |
|
L1 |
£157,785 |
5.8% |
|
L14 |
£157,785 |
5.40% |
Source: PropertyData
Best areas for student buy-to-let
The table below highlights the top three areas of Liverpool to get a buy-to-let mortgage to invest in student property, according to research from RWinvest.
|
Area |
Average Rental Yield |
Average Property Price |
|
The Knowledge Quarter (city centre) |
6.39% |
£165,918 |
|
The Baltic Triangle (city centre) |
6.39% |
£165,918 |
|
Wavertree |
5.86% |
£176,412 |
Source: RWinvest
If you want to know more about getting a buy-to-let mortgage to buy a student property, see our standalone guide to this property type through the link.
How to get a buy-to-let mortgage in Liverpool
Now that you have done some research into the best locations for a buy-to-let property in Liverpool, you can compare buy-to-let mortgage rates for free on Teito.
Our service lets you compare mortgage deals across the market in real-time. As part of our service, we will also offer a free, no-obligation chat with a mortgage broker who specialises in the Merseyside buy-to-let market - get started below...
Find a better buy-to-let mortgage on Teito
Services our brokers can offer
You can source a mortgage through us quickly if that is your preference, but our service also gives you the option to speak to a buy-to-let broker who knows the Liverpool market.
They can provide the following services:
- Face-to-face appointments for customers who request them
- Find the best buy-to-let mortgage deals for you
- Bespoke advice about your mortgage options
- Guidance throughout the application process
Our brokers are whole-of-market, which means they have access to every buy-to-let mortgage deal available for borrowers in Liverpool, including exclusive products.
Is Liverpool a good city for portfolio landlords?
Yes. According to recent data from Simply Business, Liverpool is the fifth most popular city in the UK among portfolio landlords. Only Nottingham, Birmingham, Manchester and London had more active portfolio landlords when the study was carried out in February 2024.
You can read more about mortgages for portfolio landlords in our standalone guide.
How quickly is the Liverpool buy-to-let market growing?
Liverpool is currently the eighth fastest growing buy-to-let location in the UK, according to the research from Simply Business. Between 2022 and 2023, the buy-to-let market there purportedly grew by 5.51%, a higher rate than UK capitals London and Edinburgh.
Why choose Teito for your buy-to-let mortgage?
After researching the ideal location for your Liverpool investment property, you can browse buy-to-let mortgage deals for free on Teito. As part of our service, you will also have the option of a free, no-obligation chat with a broker who specialises in this area.
Here are just some of the reasons why people choose Teito for their mortgage needs:
- You can access rates from lenders across the market in seconds
- Face-to-face appointments with Liverpool buy-to-let brokers are available
- We are 5-star rated on leading review websites
- It takes just minutes to source an agreement in principle
Read to compare rates and deals and speak to a mortgage who specialises in Liverpool buy-to-let mortgages? Get started here.
FAQs
This can obviously vary dramatically but to use average house price figures in the city, you would need a mortgage deposit of around £32,226. This is based on the average purchase price of a Liverpool buy-to-let property being £128,905 and a typical deposit being 25%.
Choosing an Adviser
Selecting a qualified and experienced mortgage adviser is of great importance. To choose a suitable adviser, evaluate their qualifications, experience, and reputation, and ensure they are regulated by the Financial Conduct Authority (FCA).
Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.