25 yrs
Arranging property finance
About us
An assisted living finance arranger on the borrower's side
Led by Matt Lenzie, with 25 years and more than £500 million of UK property finance arranged.
The authority behind the site
Matt Lenzie, Founder & Principal Broker
Matt Lenzie founded Assisted Living Finance after more than 25 years arranging funding for commercial and specialist residential property across the UK. Over that time he has structured and placed more than £500 million of finance, from single supported-living units and care-home acquisitions to ground-up extra-care schemes and registered-provider portfolios.
Much of that career was spent on the lender's side of the table, which is where the relationships come from. He knows how acquisition, bridging, development and term-debt desks underwrite supported living leases, exempt accommodation, CQC-registered care homes and specialist supported housing, what they will stretch on, and where a deal will stall. That is the difference between an introduction and a funded deal.
Every enquiry is read, structured and taken to market by Matt himself. There is no junior desk and no hand-off. Investors, landlords and operators deal directly with the person arranging their finance.
£500m+
Funding arranged
100+
Lender relationships
Direct
Every deal, no hand-off
What we do
We arrange finance for assisted living, supported housing and care property across the whole lifecycle of the asset. We model the facility a deal needs, take it to the lenders most likely to back it, and place the structure that funds the property from acquisition or build through to long-term hold. We work across acquisition finance, bridging, development finance, mezzanine, equity introductions and term debt for supported housing investors, landlords and care operators UK-wide.
We are an arranger and introducer, not a lender. We work the whole market and are paid by lender commission or an agreed fee, so our incentive sits with the investor, landlord or operator rather than any one funder. Most of the lending we arrange is unregulated business lending; where a transaction would be a regulated mortgage contract, we refer it to an appropriately authorised firm.
Why sector knowledge matters
A supported living home let to a registered provider, a trading care home at stabilised occupancy and a converted HMO running as exempt accommodation are underwritten on different tests by different lenders. One turns on the long lease, the indexation and the provider covenant. One turns on operator EBITDARM, occupancy and the CQC rating. One turns on the lease to the provider and the cost of the conversion works. Knowing which lender backs which kind of property, at what leverage and on what terms, is the difference between a deal that funds and one that stalls.
The company
Assisted Living Finance is a trading name of Lenzie Consulting Ltd, registered in England and Wales under company number 08174104. Registered office: Lynch Farm, Kensworth, Dunstable, LU6 3QZ.
Tell us about your deal
Send us the outline and Matt will come back with a view on fundability and likely terms.