A bridging finance arranger on the borrower's side

What we do

We arrange short-term property finance for investors, developers, landlords and businesses across the UK. We read the security, the borrower position and the exit strategy, take the case to the lenders most likely to back it, and place the facility that funds the purchase, build, refurbishment or capital raise you need. We work across bridging loans, development finance, development exit finance, auction finance, refurbishment finance, bridge-to-let and second-charge bridging.

We are a finance arranger and introducer, not a lender. We are paid to find the borrower the right facility, so our incentive sits with the borrower rather than any one funder. We do not provide financial, legal or tax advice.

Why lender-side experience matters

Bridging finance is not underwritten like a standard term mortgage. Lenders read the exit strategy first, then the security and the LTV. They look at how retained interest affects the net advance, how the valuation lines up with the proposed drawdown, and whether the redemption timetable is realistic. Having spent much of his career on the lender's side of the table, Matt Lenzie knows exactly how those desks assess risk, which is where the structured cases that complete come from.

Regulatory position

Bridging and development finance arranged for property investors, developers and businesses, secured on investment or commercial property, is unregulated lending and falls outside the Financial Conduct Authority's regulated mortgage perimeter. Where a transaction would require FCA authorisation, including a regulated bridging loan secured on a borrower's own home, we refer it to a regulated firm.

The company

Bridging Finance is a trading name of Lenzie Consulting Ltd, registered in England and Wales under company number 08174104. Registered office: Lynch Farm, Kensworth, Dunstable, LU6 3QZ.