Founder

Matt Lenzie

Former Bank of Scotland and Lloyds Banking Group. 25+ years in UK property and corporate finance. £300m+ of equity and debt raised for clients.

Matt Lenzie is the founder of Lenzie Consulting Ltd, the trading entity behind LimitedCompanyPropertyFinance.co.uk and the wider Construction Capital portfolio of UK property-finance specialist sites. Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority and arranges non-regulated buy-to-let mortgages only.

Matt's career began on the lender side. Across more than two decades at Bank of Scotland and then Lloyds Banking Group, he structured, credit-committed, and underwrote property and corporate finance transactions, the same kind of cases our broker desk now packages from the other side of the table. That dual perspective, what gets declined and why, what packaging actually moves the needle on pricing, which structures lenders will and won't credit, is the core of how we advise.

Over a 25-year career he has been involved in raising more than £300 million of equity and debt for clients across buy-to-let, commercial property, development finance, and corporate transactions. The portfolio of sites he operates today funnels into a single specialist desk, run on the principle that the broker should know more about the lender than the borrower does.

Matt lives in the UK and personally reviews every complex case that crosses the desk. Initial consultations are always fee-free.

Background

Career: Bank of Scotland, Lloyds Banking Group. 25+ years in UK property and corporate finance.

Track record: £300m+ of equity and debt raised for clients across buy-to-let, commercial property, development finance, and corporate transactions.

Current role: Founder, Lenzie Consulting Ltd, operating the Construction Capital portfolio of UK property-finance specialist sites including LimitedCompanyPropertyFinance.co.uk, ConstructionCapital.co.uk, CommercialMortgagesBroker.co.uk, and the wider network of regional development-finance and bridging-finance properties.

Regulatory status: Lenzie Consulting Ltd is not authorised or regulated by the FCA. We arrange non-regulated limited company buy-to-let mortgages only. ICO registration ZC089032.

Areas of expertise

Buy-to-let mortgages
Limited-company SPV finance
HMO and MUFB mortgages
Commercial property finance
Bridging finance
Development finance
Property investment structuring
Section 24 tax planning

Why founder-led packaging matters in limited company buy-to-let

Most mortgage brokers come from a sales or broker background. The team here is led by someone who spent more than two decades structuring, credit-committing, and underwriting property finance on the lender side. The packaging of a company case, which lender it goes to, in what order, what evidence accompanies it, is what determines whether the SPV gets the rate quoted online or a meaningfully cheaper one. That decision should be made by someone who knows what the underwriter at the other end actually wants to see.

Every limited company case carries structure decisions a personal application never faces: SIC codes and shareholding, director's loan and intercompany deposits, personal guarantee mechanics, the 125% company ICR, portfolio refinance under the PRA portfolio landlord rules, expat or non-resident directors, trading companies and group structures. On those, the broker's lender-side experience determines whether the deal completes, at what price, and on what terms.

Enquiry

Speak to Matt

Initial consultations are always fee-free. Same-business-day callback.

→Whole-of-market panel: 100+ lenders with limited company appetite.
→Same-business-day callback during office hours.
→Initial consultation always fee-free.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. We charge 1% of the loan amount, payable only on successful drawdown. The procuration fee paid by the lender (typically 0.30% to 0.55% on limited company buy-to-let) is taken first; you pay the difference up to 1% only where the lender's proc fee is below 1%. No fee at all if the case does not complete. Exact figures are confirmed in writing before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated limited company buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages, if your case falls into the regulated regime we will refer you to an FCA-authorised firm.