Editorial

Buy-to-let guides, written by people who package the deals.

The guides library opens with the launch tranche. New pieces ship monthly, prioritised by what our brokers see clients getting wrong.

Coming soon

Launch tranche, in production.

→ Section 24, explained for higher-rate landlords
→ Limited company SPV: a setup checklist
→ HMO finance: small versus large, room rates versus single tenancy
→ Holiday-let mortgages: lender appetite by postcode
→ Bridge-to-let exit: what BTL underwriters actually want to see
→ Expat BTL: the dozen lenders that quote, and what kills the application

We do not publish thin SEO content. Each guide is at least 1,500 words, with worked numbers, real lender criteria, and the British-English voice our broker desk actually uses on calls.

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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.