An experienced commercial mortgage broker for Southampton, the Solent and Hampshire

Specialist, not generalist

Commercial Mortgages Southampton was founded by Matt Lenzie, who has 25 years in financial services, raising debt and equity, and has arranged around £400m of property finance. That borrower-side experience shapes how we structure and present every Southampton commercial mortgage application. We package an 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 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.

Our founder has arranged around £400m of property finance. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: M271 and Adanac Park B8 logistics-warehouse refinance, Ocean Village and Mayflower Quarter hospitality, Westquay and Above Bar Street retail freeholds, Bassett and Lordswood professional-services and dental owner-occupier, healthcare ancillary across the University Hospital Southampton catchment, semi-commercial shop+flats (unregulated) on Shirley Road and Portswood Road, and HMO portfolios across Highfield, Portswood and Bevois Valley. Our work focuses on Southampton, the SO14 to SO19 city core, the SO30 Hedge End and West End fringe, and the wider Hampshire market that reads as a single M27 Solent logistics corridor from Adanac Park through Eastleigh to Portsmouth. See our case studies for illustrative scenarios showing how typical deals are structured.

Southampton has three specialisms that shape our weekly deal flow. Port-and-logistics. The M271 spur and the Adanac Park / Nursling industrial cluster carry one of the densest B8 logistics-warehouse markets on the South Coast, anchored by ABP, Ordnance Survey and the cross-Solent freight forwarders. Active industrial lenders in this market include Shawbrook, InterBay Commercial and Aldermore, each pricing keenly on Solent industrial refinance and acquisition with rent cover and tenant covenant at the centre of the underwrite. YBS Commercial is the standout name for stabilised investment lots on the same corridor. HMO portfolios. The University of Southampton and Solent University student catchments (c. 23,000 plus c. 11,000 students) anchor one of the densest HMO markets in central southern England across the Highfield, Portswood and Bevois Valley belt; Paragon and Together lead the lender competition on portfolio refinance where the C4 or Sui Generis planning consent is already stabilised. Healthcare ancillary. University Hospital Southampton, Spire and Nuffield generate a substantial private-healthcare freehold catchment across Bassett, Highfield and Bitterne. Cynergy Bank, HTB and Cambridge & Counties are the active desks on healthcare and dental owner-occupier; Cambridge & Counties prices particularly cleanly on Hampshire SME freeholds.

Commercial Mortgages Southampton 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 the way lenders assess them, not from a regulated obligation. The standards a lender expects do not change because the product sits outside FCA scope.

Why a specialist Southampton broker

The Southampton commercial mortgage market has genuine regional nuance: Southampton City Council as the unitary planning authority with its portal at planning.southampton.gov.uk covering the full SO14 to SO19 city footprint, the M271 spur and Adanac Park industrial cluster running into Nursling and Test Lane as the B8 logistics anchor, Ocean Village and Carnival HQ driving the marina-hospitality and waterfront-office catchment, Mayflower Quarter and Royal Pier as the major mixed-use regeneration zone, Westquay and Above Bar Street as the retail spine, Bedford Place and The Polygon for independent F&B and serviced offices, Bevois Valley and the Highfield-Portswood corridor as the dense University of Southampton and Solent University student HMO catchment, Bassett and Lordswood for affluent professional-services and dental freeholds, Bitterne for district retail and care homes, the University Hospital Southampton cluster anchoring private-healthcare ancillary stock, and the Hedge End and West End out-of-town retail and business-park belt on the SO30 borough fringe. Lenders active in this market include Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, alongside Allica Bank, HTB, Cambridge & Counties, YBS Commercial and Aldermore on the Hampshire SME owner-occupier and industrial investment side, Paragon and Together on the Highfield, Portswood and Bevois Valley HMO portfolio side, plus OakNorth, Octopus Real Estate, Foundation Home Loans and the long tail of specialist commercial mortgage lenders. Naming a lender describes the market; it does not mean we have a relationship with it. YBS Commercial is the standout name for stabilised investment lots on the M27 Solent corridor; Cambridge & Counties prices particularly keenly on Hampshire SME freeholds where the borrower has clean filed accounts and a coherent deposit story. National brokers tend to default to whichever desk paid the broker conference fee that quarter. We default to whichever desk will fund your deal cleanest, and we will tell you which one that is on the first call.

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