Terms of business

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Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We act as an introducer and capital-stack arranger for property developers, not as a lender or investment promoter. We arrange non-regulated development finance, bridging and commercial facilities, and introduce developers to joint venture and equity funding partners. We do not promote investment opportunities to investors. Where any element of a transaction constitutes a regulated activity, including arranging deals in investments, it is carried out by, or referred to, an appropriately authorised firm.

Scope of service

We structure the capital stack for UK property development schemes and place each layer with a panel of 100+ capital providers: senior development finance, stretch senior facilities, mezzanine finance, bridging and commercial facilities, and introductions to joint venture and equity funding partners including family offices, funds and JV platforms. Our service includes the initial appraisal review, structuring the stack (SPV shape, priority return, profit split and intercreditor terms), selecting and approaching capital providers, and managing the introduction through to drawdown or completion. We do not give tax, accounting, legal or investment advice; we will refer you to qualified professionals where useful.

We act for developers raising capital only. We do not act for, advise, or promote investment opportunities to investors, and we do not arrange regulated mortgage contracts or any other regulated activity. Where any element of a transaction constitutes a regulated activity, including arranging deals in investments, it is carried out by, or referred to, an appropriately authorised firm before any arrangement work on that element begins.

Fees

Initial consultation is fee-free. We charge a success fee as a percentage of the total capital arranged, payable only on completion. On debt tranches the lender's procuration fee is taken first and offset against our fee. No fee at all if your deal does not complete. Lender procuration fees on debt tranches typically run at 0.50% to 1% of the facility as of June 2026. The exact figures applicable to your transaction, the success fee percentage, the expected procuration fee on each debt tranche and the resulting balance payable by you, are confirmed in writing before you commit to any structure or facility.

What development finance regulation looks like

Development finance, bridging and commercial facilities advanced to a business for a commercial purpose, including loans to a special purpose vehicle (SPV, a company created for a single project), sit outside the FCA's regulated mortgage regime under the Regulated Activities Order. Joint venture and equity arrangements between commercial parties are likewise structured as business-to-business transactions. A narrow set of activities does fall within FCA regulation, principally arranging deals in investments where securities are promoted to investors, and lending secured on a borrower's home. We do not carry out those activities: where a transaction element falls within the regulated regime we refer it to an FCA-authorised firm.

Complaints

See the complaints procedure.