Lender panel

100+ specialist buy-to-let lenders. One advice channel.

Direct lender access has narrowed in recent cycles; specialist underwriting has not. Our panel spans high-street, challenger, and dedicated BTL specialists across every borrower profile.

High-street and challenger banks

Examples: BM Solutions, NatWest, Barclays, HSBC, Virgin Money.

Specialist BTL lenders

Examples: Paragon, Landbay, Fleet Mortgages, Foundation Home Loans, Kent Reliance, Aldermore.

HMO and MUFB specialists

Examples: Shawbrook, Interbay, LendInvest, Together, MFS.

Holiday-let lenders

Examples: Cumberland, Suffolk Building Society, Hodge, Furness Building Society.

Limited-company SPV lenders

Examples: Most specialist lenders; pricing varies materially by structure and PG.

Expat and foreign-national lenders

Examples: A thinner pool of around a dozen lenders, by country of residence.

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.

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.