25 yrs
Arranging property finance
About us
A holiday park 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 Holiday Park Property Finance after more than 25 years arranging funding for property and trading businesses across the UK. Over that time he has structured and placed more than £500 million of finance, from single park acquisitions to portfolio refinances and ground-up lodge and glamping development schemes.
Much of that career was spent on the lender's side of the table, which is where the relationships come from. He knows how holiday park, leisure trading-business, bridging, development and portfolio desks underwrite caravan and lodge parks on EBITDA and pitch-fee income, 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. Park operators, investors, portfolio owners and developers 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 holiday parks and caravan parks across the whole journey. We model the facility a deal needs, take it to the lenders most likely to back it, and place the structure that funds the park from acquisition or development through to a long-term park mortgage. We work across park acquisition mortgages, development and expansion finance, bridging, refinance and equity release, multi-park portfolio facilities, glamping and lodge development finance and leisure trading-business mortgages for operators, investors and developers 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 operator, investor or developer rather than any one funder. Much of the lending we arrange for limited companies, trading businesses and investors is unregulated commercial lending; where a transaction would be a regulated mortgage contract, we refer it to an appropriately authorised firm.
Why sector knowledge matters
A static caravan park selling holiday homes on licence pitches, a touring and camping park trading on nightly fees, and a luxury lodge or glamping development are underwritten on different tests by different lenders. One turns on pitch-fee income, holiday-home sales margin and the site licence. One turns on seasonal pitch income and the season length. One turns on build cost, end value and the trading projection. Knowing which lender backs which kind of park, at what leverage and on what terms, is the difference between a deal that funds and one that stalls.
The company
Holiday Park Property 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.