An experienced commercial mortgage broker for Bristol and the South West
Founded by Matt Lenzie, who has 25 years in financial services, raising debt and equity, and has arranged around £400m of property finance. We arrange unregulated commercial mortgages across owner-occupier, investment, semi-commercial, portfolio refinancing and trading-business deals, approaching the high-street, challenger and specialist lenders whose criteria fit the deal.
£400m+
Property finance arranged
25 yrs
Financial services, raising debt and equity
48 hrs
Indicative terms
75%
Maximum LTV
Specialist, not generalist
Commercial Mortgages Bristol was founded by Matt Lenzie, who has 25 years in financial services, raising debt and equity, and has arranged around £400m of property finance. We work on the borrower side of the table. We package every Bristol commercial mortgage application the way a credit officer wants to read it: fewer decline surprises, faster decisions, sharper terms. We know what lenders typically need to see, what commonly triggers a decline, and where there is genuine flexibility versus where there is not.
We broker commercial mortgages and only commercial mortgages. Owner-occupier, commercial investment, semi-commercial (the unregulated cases), portfolio refinance, trading-business, commercial remortgage, commercial bridging and second-charge commercial. We do not place residential mortgages, residential buy-to-let, regulated bridging, car finance, asset finance or unsecured business loans. Those are different markets with different lenders and different broker specialisms. We would rather be excellent at one product family than mediocre across six. If you call us about a residential remortgage, regulated semi-commercial, or anything else that would require FCA authorisation, we will refer you to a regulated firm that handles it properly.
Our founder has arranged around £400m of property finance. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: retail, office, industrial and warehouse, leisure and hospitality, healthcare and care homes, pubs and restaurants, MOT and forecourt, day nursery, semi-commercial shop+flats (unregulated), mixed-use blocks, HMO portfolios and FHL portfolios. The work covers Bristol and the wider Bristol travel-to-work area. South Gloucestershire (Filton, Patchway, Aztec West, Bradley Stoke), Bath and North East Somerset, and North Somerset (Portishead, Clevedon) all sit comfortably inside the same lender pool. See our illustrative examples for how typical deals are structured.
Commercial mortgages are unregulated lending. They fall outside the Financial Conduct Authority's regulated mortgage perimeter, which means they are not protected by FCA conduct rules and we do not hold FCA authorisation. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated. What it does mean: the underwriting discipline we apply to every deal comes from how lenders assess risk, not from a regulated obligation. The standards a lender expects do not change because the product sits outside FCA scope. Where an enquiry is regulated, we refer it to an appropriately authorised firm.
How we work
Specialist focus
Unregulated commercial mortgages only. No cross-selling, no loss-leader products, no residential, no regulated bridging, no unsecured. Single product family, deep expertise.
Credit-ready packaging
We package an application the way a credit officer wants to read it: fewer decline surprises, faster decisions, sharper terms.
Bristol market depth
We follow the Bristol commercial lending market closely, from high-street commercial teams (NatWest, Lloyds, Barclays, HSBC UK) to challengers such as HTB, Allica Bank and Shawbrook. Naming a lender describes the market; it does not mean we have a relationship with it. We know the comparable evidence West Midlands valuers typically rely on.
Straight answers
If the deal does not work, wrong sector for that LTV, EBITDA cover too tight, ERC kills the remortgage maths, vendor's price unsupported by RICS comparables, you hear it on day one. Not after a wasted valuation fee.
End-to-end execution
Single point of contact from initial enquiry through indicative terms, full application, RICS Red Book valuation, credit approval, solicitor instruction, completion and drawdown. You speak to one person; we coordinate everything else.
Repeat clients
Most clients return for the next deal. Second freehold acquisition, portfolio addition, end-of-fix refinancing. Knowing your business and your track record from the first deal makes the next case quicker to package.
Why a specialist Bristol broker
The Bristol commercial mortgage market has genuine regional nuance: Bristol City Council planning policy, the Temple Quarter Enterprise Zone, the Harbourside and Wapping Wharf mixed-use programme, the Bedminster Green regen, the Filton aerospace and defence cluster (Airbus, Rolls-Royce, GKN, BAE, MoD Abbey Wood), the Avonmouth and Royal Portbury Dock logistics belt, and a Bristol-headquartered ethical bank (Triodos) on top of the Lloyds Harbourside HQ presence. Active lenders include high-street banks such as Lloyds, NatWest, Barclays and Santander, challengers such as Shawbrook, Allica Bank, Cambridge & Counties, Aldermore and Hampshire Trust Bank, and specialists such as InterBay Commercial, LendInvest, Cynergy Bank and Together. Naming a lender describes the market; it does not mean we have a relationship with it. For the working market view we publish each quarter, see our editorial read on the Bristol commercial property market in 2026. National brokers tend to default to whichever desk paid the broker conference fee that quarter. We look for the lender whose criteria fit your deal best, and we will tell you which that is likely to be on the first call. See also our Bristol commercial mortgage broker hub for the wider network view.
For a working read on the wider Bristol commercial property landscape, see our 2026 Bristol commercial property market piece.
Let's talk about your commercial mortgage
Indicative terms within 48 hours. No cost for the initial assessment.