About Enfield Development Finance
We are Lenzie Consulting Ltd's dedicated Enfield team -- specialist development finance brokers with deep local knowledge and access to over 100 lenders. We help property developers across the London Borough of Enfield secure the funding they need, at the best possible terms.
Built on Expertise, Driven by Results
Enfield Development Finance is a trading name of Lenzie Consulting Ltd, one of London's most established and respected development finance brokerages. Lenzie Consulting Ltd was founded with a straightforward mission: to give property developers in every London borough access to genuinely expert, local-level finance advice backed by a panel of over 100 lenders. Rather than trying to cover the entire UK market with a generalist approach, we recognised that development finance is fundamentally a local business. Land values, planning policies, build costs, and buyer demand all vary enormously from one borough to the next, and the best finance outcomes come from brokers who understand those local nuances inside and out.
Our Enfield team has been arranging development finance across the borough for over a decade, during which time we have funded more than 500 individual projects with a combined value exceeding £400 million. From small single-unit refurbishments in Winchmore Hill to large-scale new build schemes near Meridian Water, and from permitted development conversions in Southgate to complex mixed-use projects in Enfield Town, we have seen and successfully financed virtually every type of development the borough has to offer. This breadth of experience means we know exactly which lenders favour which types of scheme, which postcodes attract the best valuations, and how to structure a deal to maximise the chances of approval at the most competitive terms available.
What truly sets us apart is our position within the wider Construction Capital network. We are one of a select group of borough-specialist brokers operating across London, and this network gives us access to market intelligence, lender relationships, and deal flow that no independent broker could hope to match. When a lender launches a new product or adjusts their criteria, we hear about it first. When a complex deal requires creative structuring, we can draw on the collective experience of the entire network. And when a client needs introductions to other professionals -- solicitors, architects, planning consultants, quantity surveyors -- we can connect them with trusted, Enfield-based practitioners who understand the local market as well as we do.
We are proud of the reputation we have built in Enfield. Our 4.9 out of 5 client rating reflects not just our ability to secure excellent finance terms, but our commitment to clear communication, honest advice, and a genuinely client-first approach. We do not charge upfront fees, we provide realistic assessments from day one, and we stay with our clients throughout the entire process -- from initial enquiry to final drawdown and beyond. Whether you are an experienced developer looking for your next funding partner or a first-time developer navigating the process for the first time, our Enfield team is here to help you succeed.
Deep Enfield Market Knowledge
Our team's expertise goes far beyond finance. We understand the Enfield property market at a granular level, giving our clients a genuine competitive advantage.
Enfield-Specific Market Intelligence
We track land values, sold prices, and rental yields across every Enfield postcode from EN1 through EN3 and beyond. We know which streets command premium prices, where the emerging opportunities are, and how local market conditions affect lender appetite and valuations. This intelligence directly translates into better finance terms for our clients because we can present deals to lenders in the context they need to make confident, competitive offers.
Local Planning Expertise
Enfield Council's planning policies, including the Local Plan, conservation area restrictions, and the borough's approach to permitted development rights, directly impact project viability and lender confidence. Our team maintains an up-to-date understanding of Enfield's planning framework and has experience working with projects across all planning categories. We can advise on how planning status affects finance options and help clients present their planning position in the strongest possible light to lenders.
Network of Local Professionals
Over the years we have built a carefully curated network of Enfield-based professionals who understand the local market and consistently deliver for our clients. This includes RICS-accredited surveyors who know Enfield values inside out, property solicitors experienced in local authority searches and Enfield-specific covenants, architects familiar with the borough's design requirements, and quantity surveyors who can accurately cost projects based on local build rates. We make introductions freely and at no additional cost.
Who You're Speaking To
No call centre, no account handlers passing you between departments — you deal directly with the person structuring your Enfield development finance.
Matt Lenzie
Founder
Two decades in property lending and banking, including senior corporate banking experience, before moving into development finance broking. Focused on Enfield and the surrounding region — bringing schemes he believes in to lenders he already knows.
Access to 100+ Development Finance Lenders
Our extensive lender panel means we can match every project with the most suitable and competitive funding source. From high street banks to niche private funds, we have relationships that span the entire development finance market.
High Street Banks
Major UK clearing banks offering competitive rates for lower-risk schemes
Specialist Development Lenders
Dedicated development finance providers with flexible criteria
Challenger Banks
Newer institutions offering innovative lending solutions
Private Credit Funds
Institutional capital for larger or more complex transactions
Family Offices
Private wealth providers offering bespoke, relationship-driven lending
Bridging Specialists
Short-term finance providers for time-sensitive acquisitions
Mezzanine Lenders
Gap funding providers to reduce equity requirements
International Lenders
Overseas institutions active in the UK development market
Rates from (per month)
Loan-to-Cost Available
Facility Sizes
Regulated, Accredited & Trusted
FCA-Authorised Partners
Not FCA regulated ourselves; we introduce clients needing regulated advice to FCA-authorised firms
NACFB Member
National Association of Commercial Finance Brokers
FIBA Member
Finance & Leasing Association Broker Member
ICO Registered
Information Commissioner's Office data protection registered
The Type of Finance We Structure
Illustrative examples of the type of development finance we structure for Enfield developers — not completed transactions.
Complex Placement — Turned Down Elsewhere
12-unit scheme, Enfield Town
An indicative facility for a 12-unit Enfield Town scheme that other brokers had been unable to place, with a term sheet issued inside a week at a competitive rate.
Illustrative example — not a completed transaction
First-Time Developer Support
Refurbishment project, Palmers Green
An indicative package for a first-time developer, with guidance through every stage from initial feasibility to final drawdown, completing on time and under budget.
Illustrative example — not a completed transaction
Portfolio Development Partnership
Multi-scheme relationship, Enfield & neighbouring boroughs
An indicative example of the ongoing relationships we build with developers running multiple schemes over several years, drawing on deep local lender and valuer knowledge to structure the best possible terms.
Illustrative example — not a completed transaction
Ready to Discuss Your Enfield Project?
Whether you are planning your first development or your fiftieth, our Enfield team is ready to help you secure the best possible finance. Get in touch today for a free, no-obligation consultation.