Lender panel

100+ specialist landlord finance lenders. One advice channel.

Direct lender access has narrowed in recent cycles; specialist underwriting has not. Our panel spans specialist BTL, HMO and MUFB, bridging, development, commercial, challenger, building society and private bank lending across every professional landlord profile.

Specialist BTL lenders

Examples: Paragon, Landbay, Fleet Mortgages, Foundation Home Loans, Kent Reliance, Aldermore; the core of the panel for portfolio and limited-company SPV buy-to-let.

HMO and MUFB specialists

Examples: Shawbrook, Interbay, LendInvest, Together, MFS; lenders that underwrite room-by-room income and multi-unit titles properly.

Bridging lenders and funds

Examples: Specialist bridging lenders and privately funded vehicles covering auction, refurbishment, bridge-to-let and second-charge cases.

Development lenders

Examples: Specialist development finance houses funding ground-up schemes, heavy refurbishment and development exit for developer-landlords.

Commercial banks

Examples: NatWest, Barclays, HSBC; relationship-led commercial and semi-commercial mortgages and term loans for established portfolios.

Challenger banks

Examples: Shawbrook, Aldermore and peers; appetite for complex structures the high street declines.

Building societies

Examples: Cumberland, Suffolk Building Society, Furness Building Society; manual underwriting, strong on holiday lets and regional cases.

Private banks

Examples: Relationship-led lending for high-net-worth landlords with larger or cross-collateralised portfolios, accessed by referral.

Inclusion in this list is illustrative. The 100+ panel is reviewed quarterly. Individual lender appetite shifts week to week, which is why we run every case across the panel rather than picking one in advance.

See how the panel applies to your case: portfolio mortgages, limited company buy-to-let, bridging loans, development finance and commercial mortgages.

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 June 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. 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.