About us

Founder-led advice. Lender-side experience.

ProfessionalLandlordFinance.co.uk is run by a former banker, not a broker who started life on commission. The difference shows up in how cases get packaged, and what rate you end up paying.

Who runs this site

Matt Lenzie, founder of Lenzie Consulting Ltd and operator of the Construction Capital portfolio. Bank of Scotland and Lloyds Banking Group alumnus. 25+ year career in UK property and corporate finance. £300m+ of equity and debt raised for clients to date. Read Matt's full profile →

What we do

We are a specialist, founder-led finance source for professional and portfolio landlords, typically those with four or more properties, SPV structures, HMO or MUFB operations, or development activity alongside a rental portfolio. The product set covers portfolio mortgages, limited company buy-to-let, standard BTL and remortgages, HMO and MUFB, holiday lets, bridging loans (including auction, refurbishment, bridge-to-let and second charge), development finance (including ground-up and development exit), commercial and semi-commercial mortgages, and term loans.

Every case is run across our 100+ specialist lender panel. We package the case the way each lender expects, take it from initial fact-find to mortgage offer, and stay involved through completion. First-time single-property landlords are better served by our sister site, BuytoLetFinance.co.uk.

Construction Capital portfolio

Construction Capital is the parent brand. ProfessionalLandlordFinance.co.uk operates as a trading name of Lenzie Consulting Ltd and arranges non-regulated landlord, bridging, development and commercial finance only. We do not arrange Consumer Buy-to-Let or other regulated mortgages, if a case falls into the regulated regime we refer it to an FCA-authorised firm.

Sister sites in the portfolio include BuytoLetFinance.co.uk, ConstructionCapital.co.uk, CommercialMortgagesBroker.co.uk, and a network of regional development-finance and bridging-finance properties.

How we are different

Lender-side experience at the top. Matt spent 25 years inside Bank of Scotland and Lloyds Banking Group, on the credit side of property and corporate finance. Every case we package benefits from that perspective.
Specialist, not aggregator. Every enquiry gets a fee-free initial consultation with a broker, not a list of leads sold to a panel.
Specialist depth. Our work sits outside the high-street single-let envelope, portfolio refinances, SPV structures, HMO and MUFB, bridging and development, segments where lender selection and packaging materially change the outcome.
Editorial moat. The site is built for content depth at scale. Every page carries real data, working examples, and FAQs that answer actual long-tail intent, not template-generated fillers.
Compliance-first. Financial promotions are pre-approved; every product page carries a representative example, lender panel disclosure, fee disclosure, and dated rate stamp.

The team

Headquartered in London with brokers operating UK-wide. The broker desk is supported by a dedicated case-management team, an introducer-paid network of accountants and solicitors, and a content desk that shapes the editorial output.

Enquiry

Speak to a broker

Same-business-day callback. Fee-free initial consultation. Whole-of-market access to our 100+ buy-to-let lender panel.

→Whole-of-market panel: 100+ specialist BTL lenders.
→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 BTL, up to 1% on bridging and commercial) 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 buy-to-let mortgages, bridging loans, development finance and commercial 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.