Ex-Lloyds Bank and Bank of Scotland. Former partner in a corporate finance business. Currently board advisor to a pension administrator and trustee with £3.9bn of assets under advisory.
Matt Lenzie is the Founder and Principal Broker of Commercial Mortgages Broker (CMB), a specialist property finance brokerage that has raised over £300 million of capital for property professionals across the United Kingdom. His career spans mainstream banking, corporate finance advisory, and specialist property lending, giving him a uniquely comprehensive perspective on how to structure and secure funding for complex property transactions.
Matt began his career at Lloyds Bank and Bank of Scotland, two of the UK's most prominent financial institutions. During this period, he developed deep expertise in credit analysis, commercial lending, and structured finance. Working within these institutions provided first-hand understanding of how banks assess risk, evaluate property assets, structure lending facilities, and make credit decisions at both regional and national level. This banking pedigree remains central to how CMB operates today -- understanding precisely what lenders need to see gives CMB clients a significant advantage in securing approvals and competitive terms.
Following his banking career, Matt became a partner in a corporate finance business, where he advised on capital raises, strategic financial planning, and complex deal structuring. This role required working across multiple asset classes and funding structures, from senior debt facilities through to equity raises and mezzanine instruments. The corporate finance discipline of rigorous financial modelling, deal structuring, and stakeholder management continues to inform his approach to arranging property finance at CMB.
Matt founded Commercial Mortgages Broker to apply this institutional-grade financial expertise to the specialist property finance market. Recognising that many property developers and investors were not receiving the quality of advice or depth of market access they needed, he built CMB as a firm that combines the analytical rigour of corporate finance with specialist knowledge of the property lending market. Under his leadership, CMB has built direct relationships with executives and board members at the UK's leading specialist lenders, high-street banks, and challenger banks.
In addition to leading CMB, Matt currently serves as a board advisor to a pension administrator and trustee with £3.9 billion of assets under advisory. This governance role provides ongoing exposure to institutional investment decision-making, regulatory frameworks, and fiduciary standards. For CMB clients, this means access to a broker who understands not only the property lending market but also the broader institutional investment landscape in which many lenders and funders operate.
Lloyds Bank & Bank of Scotland
Began career in mainstream banking at Lloyds Bank and Bank of Scotland, developing deep expertise in credit analysis, commercial lending, and structured finance. Gained first-hand understanding of how banks assess risk, structure facilities, and make lending decisions at institutional level.
Corporate Finance Practice
Became a partner in a corporate finance business, advising on mergers, acquisitions, capital raises, and strategic financial planning. Developed expertise in complex deal structuring and built an extensive network of institutional relationships across the UK financial services sector.
Commercial Mortgages Broker
Founded Commercial Mortgages Broker to apply institutional-grade financial expertise to the specialist property finance market. Built the firm into a trusted advisory practice that has raised over £300m of capital for property professionals, from first-time developers to institutional investors.
Pension Administrator
Currently serves as a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory. This ongoing governance role provides valuable insight into institutional investment criteria and risk frameworks that directly benefits CMB clients.
Specialist knowledge developed across a career in banking, corporate finance, and property lending.
Securing long-term commercial mortgage facilities for investors and owner-occupiers across retail, office, industrial, and mixed-use properties. Deep understanding of lender criteria, covenant structures, and how to present cases that achieve optimal terms.
Arranging short-term bridging facilities for time-sensitive acquisitions, auction purchases, chain-break situations, and refurbishment projects. Extensive relationships with specialist lenders enable rapid completions, often within 7-14 days.
Structuring development finance for ground-up residential and commercial builds, conversions, and major refurbishment schemes. Expertise in phased drawdown facilities, GDV-based lending, and multi-unit development structures.
Specialist knowledge in funding mixed-use schemes that combine residential, commercial, and retail elements. Understanding of the unique challenges these projects present to lenders and how to structure applications for approval.
Background in corporate finance provides a strategic perspective on property funding. Ability to structure complex deals involving multiple funding layers, joint ventures, and institutional capital alongside traditional debt facilities.
Every funding application is prepared to the standard expected by institutional lenders. This means comprehensive financial modelling, thorough due diligence packs, and applications that address lender concerns before they arise. The result is faster decisions, higher approval rates, and more competitive terms.
Over a decade of consistent, high-quality deal flow has established CMB as a trusted introducer across the UK lending market. Direct relationships with credit committees and senior decision-makers mean we can advocate effectively for our clients and often secure terms beyond standard published criteria.
No two property transactions are identical. Whether you are a first-time developer seeking your initial facility or an experienced investor structuring a multi-site portfolio, the approach is tailored to your specific objectives, experience, and financial position. The goal is always to find the right lender and the right structure for each individual situation.
Expert guides and insights from Matt Lenzie on property finance.