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The firm
Built on deals,
not promises.
Construction Capital was founded on a simple principle: property developers deserve a broker who understands their business, speaks their language and delivers results. No scripts, no gatekeeping — just answers.
- Arranged
- £500M+
- Lender panel
- 100+
- Years
- 25+
The founder
Matt Lenzie.
Matt has spent 25+ years in UK property finance, arranging more than £500 million of development funding across that career. His track record spans the full spectrum — from £200k light refurbishments and HMO conversions to £50M+ multi-phase residential schemes — and the full capital stack from senior debt through mezzanine, preferred equity and JV structures.
Across those 25 years Matt built direct relationships with credit committees at challenger banks, specialist lenders, family offices and institutional debt funds. Those relationships — maintained through consistent deal flow and transparent packaging — mean faster credit decisions and more competitive terms for clients.
Construction Capital launched in 2024 as the formal vehicle for Matt’s brokerage practice — a deliberate rebrand to put the discipline of the last two decades on a single platform. Every deal that enters the firm still goes through Matt personally: understanding the borrower’s business plan, modelling the capital structure, and presenting to the right lenders on day one rather than after weeks of speculative enquiries.
Matt has navigated every UK property cycle since the early 2000s, including structuring exits during the 2008 financial crisis with zero client defaults — the conservative risk approach that underpins every deal today.
Track record
The numbers behind Matt's career.
These figures track Matt's 25+ years in UK property finance, the backbone of Construction Capital today. Every figure is verifiable; if we can't cite it, we don't claim it.
- Arranged (career)
- £500M+
- Lender panel
- 100+
- Repeat developers
- 60%+
Areas of expertise
What we specialise in.
25+ years of deal structuring across every property asset class and financing method available in the UK market.
Residential development
New-build schemes from 4 to 200+ units, including affordable housing and Section 106 negotiations with planning authorities.
Refurbishment & conversion
Light and heavy refurbishment, HMO conversions, commercial-to-residential (Class MA/PDR), and listed building projects.
Capital-stack structuring
Senior debt, stretch senior, mezzanine, preferred equity and JV equity — structured as single or layered facilities to maximise developer returns.
Nationwide coverage
Active across every UK region with particular depth in London, the South East, the Midlands and the North West.
How we operate
Every principle below
forged in real deals.
No buzzwords. No mission statements. The way the firm runs is the same on the first call as on the fiftieth.
01
Deal-first mentality
Every conversation starts with your specific deal. We don't waste time with generic advice or scripts — we model the stack and get on with it.
02
Real lender relationships
25+ years building relationships with credit committees across Matt's career, not submitting applications to LendingTree. Our lenders take our calls because we bring quality deals.
03
Speed & precision
Indicative terms within 24 hours. We know which lenders want what, so we don't waste weeks chasing the wrong fit. Precision saves you time and money.
04
Transparent process
No hidden fees, no surprises. You know every cost upfront. We earn our fee by delivering results, not by obscuring the process.
Our journey
Five marker dates.
2000
Matt enters property finance
2008
Navigated the financial crisis — zero client defaults
2015
£250M arranged cumulatively across Matt's career
2020
Nationwide coverage established
2024
Construction Capital launches as the formal brokerage vehicle
The deal process
How a scheme moves through the firm.
Four stages, one broker on the file from start to finish. Typical timeline to drawdown is 4–8 weeks depending on the lender and the security.
01
Deal review
We assess the scheme, borrower profile and funding requirement within 24 hours.
02
Lender matching
We identify the three-to-five best-fit lenders from our 100+ panel based on deal specifics.
03
Packaging
We prepare a lender-ready information memorandum that accelerates credit decisions.
04
Completion
We manage the process through term sheet, valuation, legal and drawdown.
Start a deal
Tell us the scheme.
We’ll work the file.
First-time developer or fifteenth — we structure the funding that works for the project, not the product sheet.