An experienced commercial mortgage broker for Manchester and Greater Manchester
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 Manchester 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 Manchester 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 Manchester and the wider Greater Manchester footprint. Salford, Trafford, Stockport, Tameside, Bolton, Bury, Rochdale, Oldham and Wigan all sit comfortably inside the same lender pool, along with Altrincham, Sale, Cheadle, Stretford and the wider M60 corridor. See our illustrative scenarios for the kinds of deals we structure.
Commercial Mortgages Manchester is a trading name of Lenzie Consulting Ltd. Commercial mortgages are unregulated lending. They fall outside the Financial Conduct Authority's regulated mortgage perimeter, which means they are not protected by FCA conduct rules and we do not hold FCA authorisation. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated. 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.
Manchester market depth
The Manchester 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 Manchester broker
The Manchester commercial mortgage market has genuine regional nuance: Manchester City Council planning policy, the NOMA, Mayfield and Ancoats regen frameworks, Article 4 directions across parts of the city centre, MediaCityUK and Salford Quays cross-borough lending, and an unusually deep cluster of regional lender desks anchored in Spinningfields and around King Street. Lenders active in this market include Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, alongside HTB (Leeds office covering the North West), Allica, Cambridge & Counties, Aldermore, Together, Paragon, OakNorth, Hampshire Trust Bank, Reliance Bank 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. 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.
For a working read on the wider Manchester commercial property landscape, see our 2026 Manchester commercial property market piece.
Let's talk about your commercial mortgage
Indicative terms within 48 hours. No cost for the initial assessment.