Independent development finance · London
Senior debt, mezzanine and equity for UK property developers. One call, a panel of 100+ lenders, indicative terms inside a day. No scripts, no decks — just a broker who’s done this for 25+ years.
Deals arranged nationwide — London to the North West
Positioning
Independent. Privately owned.
Built on repeat developers.
We are not a contact centre, an aggregator or a fintech platform. Construction Capital is a London brokerage set up by Matt Lenzie, who has spent 25+ years arranging property development finance. Every scheme is structured by the principal — most of Matt’s deal flow still comes from developers on their second, third or fifteenth project with him.
What we arrange
Every layer a UK developer needs — senior debt, stretch senior, mezzanine, bridging, equity and exit. We structure the stack, run the process, and take calls from credit committees ourselves. You build.
Senior debt for ground-up residential and commercial schemes.
From 6.5% p.a.
Up to 65–70% LTGDV
Stretch your capital stack beyond senior debt without giving up control.
From 12% p.a.
Up to 85–90% LTGDV
Short-term finance for acquisitions, auctions, and chain breaks.
From 0.55% p.m.
Up to 75% LTV
Equity partners and JV structures for up to 100% of project costs.
Profit share from 40%
Land-only contributions considered
Light and heavy refurbishment funding with staged drawdowns.
From 0.65% p.m.
Up to 75% LTV
Refinance development debt while units sell — release equity faster.
From 0.55% p.m.
Title restrictions released on drawdown
How it works
No onboarding flows, no scripts, no gatekeeping. You speak to the principal on the first call and every call after it. Here’s how a deal moves through the firm.
01
Two minutes on a call or form. Scheme, site, borrower, capital stack. We take the full picture on day one so nothing surfaces later.
Average 24 hours to indicative terms.
02
Targeted packaging to the three to five lenders on our panel best suited to the deal. No scattergun enquiries, no damaged pricing from repeat footprints.
Panel of 100+ lenders: high-street, challenger, specialist, family office, institutional.
03
We manage valuation, legals and credit through to completion. Single point of contact, weekly updates, no dropped stitches.
60%+ of origination is repeat business.
Indicative structure
Every scheme is different. The capital stack gets built to match the site, the sponsor and the exit, not the other way round. Here is how one recently consented scheme models.
Estimated GDV
£3.0M
Indicative senior debt
£2.1M
Leverage
70% LTGDV
Canterbury · Ground-up residential
Nine new-build dwellings with access, landscaping and parking.
Indicative only, not an offer of finance and not a completed transaction. GDV is estimated from the local Land Registry median sold price; senior debt is modelled at 70% LTGDV, subject to valuation, cost plan and lender underwriting.
See more indicative schemesWho we work with
Over 100 active lenders across the full capital stack. We don’t work off a price-comparison sheet — we know which credit committees take which deals, and we speak to them directly.
High-street banks
Competitive pricing for established sponsors.
Challenger banks
Faster credit cycles, digital drawdown tracking.
Specialist development lenders
Sector expertise, flexibility on complex sites.
Mezzanine & stretch senior
Higher leverage without full equity dilution.
Family offices
Bespoke structures, rapid decisions, equity co-invest.
Institutional debt funds
Scale capital for £15M+ schemes.
Bridging specialists
Completion in days for time-critical acquisitions.
See the full panel & lender directory.
Explore all 100+ lendersQ4 2026 snapshot
A live read across the UK towns we monitor. We use this data to price deals, stress-test schemes and decide which lenders fit best — and we publish the full reports for every county and town.
Land Registry + planning data kept current.
Rolling 12-month Land Registry count across the panel.
147 of 366 towns posting positive YoY movement.
Data as of 5 Oct 2026. Sources: HM Land Registry, local planning authorities.
Read the full reports
A note from the founder
Construction Capital is the vehicle for something I’ve been doing for over 25 years: arranging development finance that actually fits the scheme. Every deal still comes through me personally — structuring, packaging, credit conversations, legals, drawdown. Clients don’t get handed off. They get answers.
Matt Lenzie
Founder & Principal Broker
Start a deal
Send us the outline of your deal — site, scheme, sponsor, what you need. We’ll come back with indicative terms from the right lenders within one working day. No commitment, no hard credit search.
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