An experienced commercial mortgage broker for Oxford and Oxfordshire

Specialist, not generalist

We are led by founder 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, and that shapes how we structure and present every commercial mortgage application. We package an application the way a credit officer wants to read it: fewer decline surprises, faster decisions, sharper terms. We set out what an underwriter will need to see, what tends to trigger 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.

Matt has arranged around £400m of property finance. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: laboratory and life-sciences office investment, owner-occupier life-sciences operators, professional-services freehold, retail and leisure, healthcare and dental, hotels, pubs and restaurants, MOT and forecourt, day nursery, semi-commercial shop+flats (unregulated), mixed-use blocks and HMO portfolios. Our work focuses on Oxford, the OX1 to OX4 city core, the wider Oxfordshire county fringe and the research-and-innovation belt running through Oxford Science Park, Begbroke and the Harwell Campus adjacency to the south. Headington and the John Radcliffe hospital cluster, Jericho and North Oxford, Summertown, Cowley and East Oxford, Iffley, Marston, Botley, Littlemore, Blackbird Leys and the Westgate / Castle Quarter retail flagship all sit comfortably inside the same lender pool. See our illustrative scenarios for the kinds of deals we structure.

Commercial Mortgages Oxford is a trading name of Lenzie Consulting Ltd. We are not FCA-authorised because commercial mortgages on commercial property are an unregulated activity in the UK. They fall outside the Financial Conduct Authority's regulated mortgage perimeter. Where a deal would require FCA authorisation, we refer the enquiry to a regulated firm. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated by definition. What it does mean: the discipline we apply to every deal comes from packaging applications to the standard lenders expect, not from a regulated obligation. Where a deal would require FCA authorisation, we refer the enquiry to an appropriately authorised firm.

Why a specialist Oxford broker

The Oxford commercial mortgage market has genuine regional nuance: Oxford City Council and Cherwell District Council planning portals running side by side (Cherwell DC governs Begbroke, Oxford North and the wider Kidlington fringe rather than Oxford City), Oxford Science Park on Sandford-on-Thames Road as the flagship Magdalen College joint-venture office and lab cluster, Begbroke Innovation District / Oxford North to the city fringe, Harwell Campus to the south as a Thames Valley research anchor, Headington and the John Radcliffe / Churchill / Nuffield Orthopaedic hospital strip driving healthcare ancillary stock, the Westgate Oxford and Castle Quarter retail-and-leisure flagship, Cornmarket / High Street as the historic hospitality tourist spine, Walton Street and Jericho for independent F&B, Cowley Road for the East Oxford independent and HMO market, and the BMW Plant Oxford supply chain at the Cowley industrial edge. Lenders active in this market include Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, Allica Bank and Hampshire Trust Bank (each active on Thames Valley and Oxford freehold and stabilised investment cases), Aldermore, Together, Paragon Bank, OakNorth, YBS Commercial, Handelsbanken, Octopus Real Estate and ASK Partners on the larger Oxford Science Park and Harwell-adjacent investment lots, plus the long tail of specialist commercial mortgage desks. Naming a lender describes the market; it does not mean we have a relationship with it. We look for the lender whose criteria fit your deal most cleanly, and we will tell you which kind of lender that is on the first call.

For a working read on the wider Oxford commercial property landscape, see our 2026 Oxford commercial property market piece.