Landlord profiles

Five landlord profiles. Five different markets, in practice.

A first-time landlord and a portfolio investor are not buying from the same lender pool, and not paying the same rate. We treat the differences as the starting point, not an afterthought.

Profile

First-time landlord

Avg fees: £2,500 to £3,500

Profile: Owner-occupier exploring a first investment property.

Intent: Wants to understand BTL mortgage criteria, stress tests, stamp duty, tax treatment, and yield maths before committing.

Profile

Portfolio landlord

Avg fees: £25,000 to £80,000 lifetime

Profile: Established landlord with four or more BTL mortgages.

Intent: Lender capacity, portfolio refinance, capital raising for further acquisitions, top-slicing, and rental cover stress tests.

Profile

Limited company SPV investor

Avg fees: £3,500 to £5,500

Profile: Holds property via Special Purpose Vehicles for tax efficiency.

Intent: SPV-specific lenders, personal guarantee structures, inter-company loans, dividends versus director loan repayment.

Profile

Specialist property investor

Avg fees: £4,500 to £7,500

Profile: HMO operator, MUFB owner, holiday-let investor, semi-commercial buyer.

Intent: Specialist lender access, complex valuation methodology, planning and licensing alignment.

Profile

Expat and foreign-national landlord

Avg fees: £4,000 to £6,500

Profile: UK passport holder living abroad, or non-UK national investing in UK rental property.

Intent: Lender access in a thin market, currency considerations, identity verification, AML.

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 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.