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Liverpool is a popular area for buy-to-let investments as one of the most populated cities in the north. In this guide, you will find essential information for landlords and aspiring investors here, including what rental yields to expect and how to get the best mortgage deal.
Is Liverpool a good city to get a buy-to-let mortgage in?
Yes it is. Liverpool has evolved significantly in recent years, with the area around the now-operational Everton Stadium at Bramley-Moore Dock turning once-overlooked postcodes into high-demand professional hubs. This means it's no longer just a good place for buy-to-let; but one of the UK’s income-first cities. While the rest of the country has seen a cooling of the post-pandemic rental surge, Liverpool’s rents have jumped roughly 8.3% year-over-year, outstripping property price growth and creating a yield gap that savvy investors are currently exploiting.
Where are the best areas of the city to invest?
According to the latest statistics, some of Liverpool’s best rental yields are available in the Edge Hill and Kensington (L7) areas, as well as Anfield and Walton (L4), which product a similarly high yield at a lower monthly rent. Liverpool city centre (L1 and L3) has benefited from regeneration schemes in recent years and has a wide range of flats and apartments to invest in.
Average rental income in Liverpool as a whole is £819 per month with a respectable average yield of 6.6%. This is because while prices have crept up, the rental demand has actually accelerated faster in this area of the country.
| Postcode | Area | Average Rental Income (Monthly) | Average Rental Yield |
| L7 | Edge Hill / Kensington | £1,005 | 8.10% |
| L4 | Anfield / Walton | £785 | 7.75% |
| L20 | Bootle | £760 | 7.60% |
| L1 | City Centre (Baltic/Ropewalks) | £1,120 | 7.40% |
| L5 | Everton | £740 | 7.30% |
| L11 | Norris Green / Croxteth | £890 | 7.10% |
| CH41 | Birkenhead | £790 | 6.80% |
| L3 | City Centre / Docklands | £1,010 | 6.60% |
| L15 | Wavertree | £1,015 | 6.50% |
| L21 | Litherland | £750 | 6.00% |
Source: Compiled 2026 Market Data (Zoopla/PropertyData/Local Agency Reports)
Best areas for student buy-to-let
The student let market in Liverpool has matured, with a shift toward high-spec HMOs and luxury PBSA (Purpose-Built Student Accommodation). With the new Liverpool Baltic station now open, the commute for students has changed, making areas like the Baltic Triangle even more competitive.
The table below highlights the top three areas of Liverpool to get a buy-to-let mortgage to invest in student property:
| Area | Average Rental Yield | Average Property Price |
| Wavertree | 8.90% | £210,000 |
| The Knowledge Quarter | 7.20% | £185,000 |
| The Baltic Triangle | 6.80% | £192,500 |
Source: Compiled from RWinvest’s 2026 Property Market Predictions, The Paragon Bank Student Yield Study (Updated for 2026): and Zoopla & Rightmove Rental Indices (Q1 2026)
How to get a buy-to-let mortgage in Liverpool
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. We will also offer you a free, no-obligation chat with a mortgage broker who specialises in the buy-to-let market in Merseyside - get started here.
Is Liverpool a good city for portfolio landlords?
Yes, as of 2026, Liverpool remains a top-tier choice for portfolio landlords. This is currently driven by the fact that property prices remain significantly below the national average while rents have climbed at a year-over-year rate of 8.3%. This allows landlords to reinvest their rental profits back into additional local stock much faster than in southern markets. Liverpool also allows a portfolio to be diversified without leaving the city limits. For example HMOs offer high-yield opportunities in L7 and L15, while high-end apartments in the Baltic Triangle allow for low-maintenance, professional lets. You can even expand into Family Terraces in L11 and L14 for long-term tenancies with high stability.
The city’s high demand-to-supply ratio has softened the impact of the Renters’ Rights Act as competition for quality homes is so high, that the abolition of no-fault evictions hasn't hurt yields; instead leading to longer, more stable tenancies.
How quickly is the Liverpool buy-to-let market growing?
As of early 2026, the Liverpool buy-to-let market is growing rapidly in terms of rental income, but more sustainably in terms of property prices. Rental growth is at 8.9%, nearly double the UK average of 5.1% with certain postcode areas (such as L7 and L4) hitting the top national yields in the country. This is likely due to a number of factors, including a surge in demand for short-term and professional lets surrounding the North Shore area, regeneration of the Knowledge Quarter and Liverpool Waters areas shifting demand toward luxury apartments and the completion of the new Liverpool Baltic station.
Top Postcode Hotspots
This map shows the areas with the top rental yields in the city, with green representing the highest yields, and red the lower end areas, which are still competitive compared to much of the rest of the UK.
How much does a buy-to-let property cost in Liverpool?
This can obviously vary dramatically depending on the type of property you plan to buy. Using the rental yield hotspots map above, it's a good idea to see which level of yield suits you and search for propery prices in the respective area for the type of investment you want, whether that's an HMO, luxury flat, or standard residential singel family home.
The average buy-to-let propery price in the city at the time of writing (February 2026) is £181,000, so a standard 25% mortgage deposit would be approximately £45,250.
Talk to an Expert
Finding buy-to-let mortgage deals for your Liverpool investment property can be time-consuming, as each lender has different criteria for approving buy-to-let mortgages. Speaking to a mortgage broker who specialises in Buy-to-Let before you apply can make the whole process much easier, particularly if you choose an adviser with local experience in the Merseyside propery market.
Our friendly team of expert mortgage advisors will assess your individual circumstances and match you with the most suitable lenders, as well as answering any questions you have about buy-to-let mortgages.
We've helped thousands of people secure buy-to-let mortgages and we could do the same for you. We can also help you to find and secure a landlord insurance policy, and arrange other forms of protection insurance too. Furthermore, we also have contacts at Liverpool estate agents, conveyancers and other property service firms that we can refer landlords onto, should they need these services.
To speak to a mortgage adviser who specialises in Liverpool buy-to-let mortgages, simply enter the postcode of your chosen property below:
Find your Liverpool Mortgage Broker
FAQs
The stadium's completion has triggered a regeneration premium. There has been significant growth in Everton Stadium rental demand, with investors specifically looking for properties within a 1-mile radius of Bramley-Moore Dock. As a result, rents in L4 and L20 have risen by an average of 12% as short-term let demand (Airbnb-style) and professional tenancies compete for limited stock near the waterfront.
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