Founder-led advice. Lender-side experience.

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 buy-to-let finance source focused exclusively on non-regulated buy-to-let and adjacent property-finance products: standard single-let, HMO and MUFB, holiday-let, semi-commercial, bridge-to-let, refurb-to-rent, expat, and limited-company SPV structures.

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.

Construction Capital portfolio

Construction Capital is the parent brand. BuytoLetFinance.co.uk operates as a trading name of Lenzie Consulting Ltd and arranges non-regulated buy-to-let mortgages 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 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. Most of our completions sit outside the high-street single-let envelope, in 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.