National buy-to-let brokerage · Construction Capital portfolio

Buy-to-let finance, from every angle.

Every product, every lender, every borrower profile, every property type, every location. 100+ specialist lenders. One specialist desk.

Speak to a broker Run a stress test

Advice from Matt Lenzie — 25+ year career banker (Bank of Scotland, Lloyds Banking Group). £300m+ raised for property clients.

Founder profile →

100+

BTL lenders on panel

£8bn+

New BTL advances per quarter, UK

50%

Of new BTL completes inside an SPV

£3,650

Average gross fee per case

Mortgage services

Eleven products, one advice channel.

From a first-time landlord on a single flat to a portfolio investor refinancing twenty SPV-held HMOs. We cover the full BTL stack on a single fact-find.

Buy-to-let mortgages

Single-let AST finance.

Standard residential single-let buy-to-let mortgages on assured shorthold tenancies. The bedrock of UK landlord lending.

Limited company SPV buy-to-let

Tax-efficient SPV finance.

Lender access for SPVs (SIC 68209 / 68100). Director and shareholder personal guarantees, inter-company structures, and dividend repayment planning where relevant.

Buy-to-let remortgages

Refinance and capital raise.

Switch lender at the end of a fix, capital raise on equity, or product transfer where the maths favour staying. We model all three on every case.

Portfolio landlord mortgages

4+ properties, full portfolio review.

Lenders treat portfolio landlords (4+ BTL mortgages) as a separate underwriting category. We package the portfolio, rental schedule, and stress tests in the way each lender expects.

HMO mortgages

Small and large HMO finance.

Houses in multiple occupation, both small (up to 6 bed) and large (7+). Specialist valuation methodology applies — investment value, bricks-and-mortar comparable, or rent-driven yield.

MUFB mortgages

Multi-unit freehold blocks.

Blocks of self-contained flats held under a single freehold. Specialist lender appetite, treated distinctly from HMOs.

Holiday-let mortgages

Short-term and AirBnB-eligible.

Furnished holiday let and short-term-let mortgages. Different income evidence, different lender pool, different tax treatment.

Semi-commercial mortgages

Mixed-use property finance.

Properties with both residential and commercial use — typically a flat above a shop. Underwriting blends BTL and commercial principles.

Expat and foreign-national BTL

Cross-border landlord finance.

A thinner lender market for non-resident and non-UK borrowers, with currency, identity, and AML overlay.

First-time landlord BTL

Owner-occupier first investment.

The handful of lenders who actively underwrite first-time landlords and what each looks for in income, deposit, and exit.

Bridge-to-let

Bridge with defined BTL exit.

Fast bridging finance with a pre-agreed exit to a BTL term mortgage on completion of works or tenancy. Often the cleanest route on auction or refurb buys.

Landlord profiles

Five landlord profiles. One way of working.

Each profile sits on a different lender list, has a different stress test, and is taxed differently. We build the case once, run it across the panel.

First-time landlord

Wants to understand BTL mortgage criteria, stress tests, stamp duty, tax treatment, and yield maths before committing.

Portfolio landlord

Lender capacity, portfolio refinance, capital raising for further acquisitions, top-slicing, and rental cover stress tests.

Limited company SPV investor

SPV-specific lenders, personal guarantee structures, inter-company loans, dividends versus director loan repayment.

Specialist property investor

Specialist lender access, complex valuation methodology, planning and licensing alignment.

Expat and foreign-national landlord

Lender access in a thin market, currency considerations, identity verification, AML.

UK locations · live data

Buy-to-let, city by city.

570 UK cities covered with live HM Land Registry sold-price data, ONS rental medians, Census demographics, and street-level crime — each page anchored to the actual median property and rent in that market.

All 570 cities

London

4.97% indicative yield

£550,000 median · £2,280/mo

Greater London

Birmingham

5.79% indicative yield

£225,000 median · £1,086/mo

West Midlands

Leeds

5.9% indicative yield

£230,000 median · £1,130/mo

West Yorkshire

Edinburgh

5.42% indicative yield

£305,000 median · £1,377/mo

Edinburgh

Liverpool

5.95% indicative yield

£180,000 median · £893/mo

Merseyside

Sheffield

7.96% indicative yield

£207,500 median · £1,377/mo

South Yorkshire

Manchester

6.81% indicative yield

£237,500 median · £1,347/mo

Greater Manchester

Bristol

6.57% indicative yield

£345,000 median · £1,888/mo

Bristol

Leicester

4.65% indicative yield

£265,000 median · £1,026/mo

Leicester

Cardiff

5.2% indicative yield

£267,000 median · £1,157/mo

Cardiff

Coventry

5.45% indicative yield

£225,000 median · £1,021/mo

West Midlands

Bradford

5.53% indicative yield

£160,000 median · £737/mo

West Yorkshire

Showing the 12 largest by population. Every published city — small market towns through to the big metros — has a full data-anchored buy-to-let page. Browse all 570 →

Calculators

Numbers first.

Seven calculators built to the way lenders actually underwrite. Run yours, then pass the figures to a broker.

All calculators

Buy-to-let stress test calculator

Maximum loan and pass/fail per lender stress profile.

Open calculator →

Rental yield calculator

Gross and net yield with a back-of-envelope ROI estimate.

Open calculator →

Buy-to-let stamp duty calculator

SDLT, LBTT and LTT including the 5% additional dwelling surcharge.

Open calculator →

Limited company vs personal calculator

Comparative tax outcome over five and ten years.

Open calculator →

Portfolio LTV and ICR calculator

Portfolio LTV, weighted ICR and capacity for a top-up.

Open calculator →

Refurb-to-BTL ROI calculator

ROI, cash left in deal and refinance proceeds on a refurb-to-rent.

Open calculator →

Bridge-to-let cost calculator

Total cost of a bridge plus the exit funding required.

Open calculator →

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.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of May 2026. Illustrative only; actual product, rate and fees vary by lender and case.

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. On completion, our arrangement fee is typically £995 to £2,995, depending on case complexity. We are also paid a procuration fee by the lender, typically 0.30% to 0.55% of the loan amount, which is disclosed 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 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.