Mortgage Broker in Liverpool, Merseyside – Ben Neilson

A mortgage broker in Liverpool, Merseyside, can make complex borrowing needs simpler. Ben Neilson provides clear, regulated advice tailored to landlords, investors, and businesses.

Commercial and Semi-Commercial Mortgages

Ben helps clients secure finance for shops, offices, and mixed-use properties. Every case is assessed to match lender criteria. Commercial lending requires specialist knowledge, and his guidance ensures applications meet strict affordability rules.

Buy-to-Let Mortgages

Buy-to-let remains a popular route in Liverpool and across Merseyside. Ben supports landlords seeking new purchases or remortgages. He advises on interest-only and repayment options, ensuring lender conditions and rental income requirements are met.

House in Multiple Occupation (HMO) Mortgages

HMOs require careful planning. Ben provides advice on lender stress tests, licensing rules, and higher deposit demands. His approach ensures compliance while maximising rental yields.

Bridging Finance

Bridging finance is vital for time-sensitive property deals. Ben sources lenders offering fast decisions and flexible exit strategies. Clients benefit from guidance on auction purchases, chain breaks, or refurbishment projects. He ensures each deal aligns with affordability and repayment expectations.

Limited Company Mortgages

Many landlords choose to buy through a limited company. Ben advises on tax efficiency, lender requirements, and company structure. He explains how specialist lenders view SPVs and trading companies.

Development Finance

Liverpool is seeing new builds and conversions across the city. Development finance requires staged lending and strict monitoring. Ben helps clients secure loans for land purchase, construction, and final sales. He ensures each stage meets drawdown conditions and project timescales.

General Insurance

Ben also advises on essential protection. This includes landlord insurance, building cover, and income protection. He ensures clients are fully protected against financial risk.

Why Work with a Local Expert?

Liverpool’s property market has unique lender expectations. Ben’s local knowledge benefits buyers, investors, and developers. He provides advice tailored to each client’s circumstances.

Nearby Locations to Consider

Clients in Liverpool may also explore the surrounding areas:

• Birkenhead

• Bootle

• St Helens

• Southport

• Widnes

• Runcorn

Why Choose Ben Neilson

Working with a mortgage broker in Liverpool gives you access to expert, tailored guidance across commercial, semi-commercial, buy-to-let, HMO, bridging finance, and limited company mortgages. Ben Neilson combines FCA-regulated advice, local property knowledge, and access to specialist lenders to give clients the best chance of success.

Whether you’re buying a shopfront in Liverpool city centre, investing in student flats near the universities, or growing your HMO portfolio in areas like Anfield or Toxteth, Ben delivers advice designed for today’s market.