An experienced commercial mortgage broker for Leicester and Leicestershire
Founded by Matt Lenzie, who has 25 years in financial services, raising debt and equity, and has arranged around £400m of property finance. We arrange unregulated commercial mortgages across owner-occupier, investment, semi-commercial, portfolio refinancing and trading-business deals, approaching the high-street, challenger and specialist lenders whose criteria fit the deal.
£400m+
Property finance arranged
25 yrs
Financial services, raising debt and equity
6
Core commercial mortgage types
48 hrs
Indicative terms
Specialist, not generalist
Commercial Mortgages Leicester was founded by Matt Lenzie, who has 25 years in financial services, raising debt and equity, and has arranged around £400m of property finance. We have stayed in one lane: commercial mortgages for borrowers. We package an application the way a credit officer wants to read it: fewer decline surprises, faster decisions, sharper terms. That shapes how we structure and present every Leicester commercial mortgage application. We work out early what an underwriter will need to see, what is likely to trigger a decline, and where there is genuine flexibility versus where there is not.
We broker commercial mortgages and only commercial mortgages. Owner-occupier, commercial investment, semi-commercial (the unregulated cases), portfolio refinance, trading-business, commercial remortgage, commercial bridging and second-charge commercial. We do not place residential mortgages, residential buy-to-let, regulated bridging, car finance, asset finance or unsecured business loans. Those are different markets with different lenders and different broker specialisms. We would rather be excellent at one product family than mediocre across six. If you call us about a residential remortgage, regulated semi-commercial, or anything else that would require FCA authorisation, we will refer you to a regulated firm that handles it properly.
Matt has arranged around £400m of property finance. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: retail, office, industrial and warehouse, leisure and hospitality, healthcare and care homes, pubs and restaurants, MOT and forecourt, day nursery, semi-commercial shop+flats (unregulated), mixed-use blocks, HMO portfolios and FHL portfolios. The work covers Leicester and the wider Leicestershire footprint. Loughborough, Hinckley, Melton Mowbray, Market Harborough, Coalville, Oadby, Wigston, Lutterworth, Ashby-de-la-Zouch and Shepshed all sit comfortably inside the same lender pool. See our illustrative scenarios for the kinds of deals we structure.
We are not FCA-authorised because commercial mortgages on commercial property are an unregulated activity in the UK. They fall outside the Financial Conduct Authority’s regulated mortgage perimeter. Our consumer credit and regulated mortgage referrals are handled by FCA-authorised partners. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated by definition. What it does mean: the discipline we apply to every deal comes from packaging applications to the standard a lender's credit team expects, not from a regulated obligation. Those standards do not change because the product sits outside FCA scope.
How we work
Specialist focus
Unregulated commercial mortgages only. No cross-selling, no loss-leader products, no residential, no regulated bridging, no unsecured. Single product family, deep expertise.
Credit-ready packaging
We package an application the way a credit officer wants to read it: fewer decline surprises, faster decisions, sharper terms.
Leicester market depth
The Leicester market includes high-street commercial teams (NatWest, Lloyds, Barclays, Santander) and challenger and specialist lenders such as Allica Bank, HTB, Cambridge & Counties and Shawbrook. Naming a lender describes the market; it does not mean we have a relationship with it. We focus on the evidence lenders and local valuers typically look for.
Straight answers
If the deal does not work, wrong sector for that LTV, EBITDA cover too tight, ERC kills the remortgage maths, vendor's price unsupported by RICS comparables, you hear it on day one. Not after a wasted valuation fee.
End-to-end execution
Single point of contact from initial enquiry through indicative terms, full application, RICS Red Book valuation, credit approval, solicitor instruction, completion and drawdown. You speak to one person; we coordinate everything else.
Repeat clients
Many borrowers come back for the next deal: a second freehold acquisition, a portfolio addition, an end-of-fix refinance. A well-documented first case makes the next application quicker to package.
Why a specialist Leicester broker
The Leicester commercial mortgage market has genuine regional nuance: the Leicester City Council Local Plan 2020 to 2036 (adopted 2024), the Waterside Regeneration Framework along the River Soar, the Pioneer Park life-sciences and space-tech cluster on Corporation Road, the Cultural Quarter heritage conversion stock around Rutland Street, the New Walk professional services spine, the Meridian Business Park J21 M1 office park, the Magna Park logistics complex at Lutterworth and the wider East Midlands lender catchment from the Golden Triangle. Lenders active in this market include Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, alongside Allica Bank, Cambridge & Counties, Aldermore, Together, Paragon Bank, Recognise Bank, OakNorth, Hampshire Trust Bank, HTB, YBS Commercial, Handelsbanken and the long tail of specialist commercial mortgage desks. Naming a lender describes the market; it does not mean we have a relationship with it. For the working market view we publish each quarter, see our editorial read on the Leicester commercial property market in 2026. We approach the high-street, challenger and specialist lenders whose criteria fit the deal, and we will tell you on the first call where we think it fits. See also our Leicester commercial mortgage broker hub for the wider network view.
For a working read on the wider Leicester commercial property landscape, see our 2026 Leicester commercial property market piece.
Let's talk about your commercial mortgage
Indicative terms within 48 hours. No cost for the initial assessment.