Upscore
Upscore is an FCA-regulated London-based digital credit broker whose Finance Passport platform matches non-resident foreigners with partner banks in Spain, Portugal, and the UAE, earning commission only on completed mortgages.
- Company typePrivate
- Founded2023
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Upscore does
Upscore Ltd is a UK-incorporated, FCA-regulated digital credit broker (reference #1011029) that operates the Finance Passport™ platform to help non-resident foreigners secure local mortgages in Spain, Portugal, and the UAE. Founded in 2023 and headquartered in London, the company has processed more than 12,000 mortgage applications and facilitated 390 approved completions across 40+ nationalities, with Spain accounting for roughly 80% of volume. Users complete a 10-minute online financial profile; the platform analyses it against the lending criteria of partner banks (six in Spain, six in Portugal, five in UAE) and returns within 48 hours an estimated borrowing range, matched banks, LTV limits, required documents, and indicative rate ranges.
The platform is a fully digital, self-serve experience supplemented by human advisory support for complex cases (self-employed, mixed income). Supporting tools include an AI-assisted Property Finder, a Partner Portal for B2B referrals (real estate agents, IFAs, wealth managers), a Spain Property Cost Calculator, a Spanish Mortgage Calculator, and a currency conversion service. The Finance Passport is free for applicants; Upscore earns a commission from partner banks only when a mortgage successfully completes and funds. Marketing is content- and SEO-led, targeting non-residents early in their research funnel through nationality- and city-specific guides, with case-by-case assistance also available for France, Italy, and Australia.
Upscore firmographics
Firmographics- Name
- Upscore
- Legal name
- Upscore Ltd
- Website
- https://upscoreapp.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Upscore is an FCA-regulated London-based digital credit broker whose Finance Passport platform matches non-resident foreigners with partner banks in Spain, Portugal, and the UAE, earning commission only on completed mortgages.
- Ownership category
- akta.pro rank
Upscore industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
Keywords
Where Upscore is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Upscore business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Broker commission from partner banks on completed mortgages: Upscore acts as a credit broker (FCA-authorised, reference #1011029). The Finance Passport and all advisory services are free for mortgage applicants. Upscore earns a commission fee from partner banks when a mortgage is successfully completed and funded. The commission is paid by the lender, not the applicant. This model aligns Upscore's incentive with the applicant's outcome — Upscore only earns when the mortgage closes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free pre-qualification and bank matching for all applicants |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Upscore product offering
Product offeringCore offering
Upscore is a UK-based FCA-authorised digital credit broker that helps foreigners obtain local mortgages in Spain, Portugal, and the UAE through its Finance Passport™ pre-qualification platform. Applicants complete an online financial profile that is matched against the lending criteria of 6 Spanish, 6 Portuguese, and 5 UAE partner banks, producing a personalised report with estimated borrowing range, eligible banks, LTV, document checklists, and indicative rates. The service is free for applicants; Upscore earns a commission from partner banks on completed mortgages, with supplementary offerings including a Property Finder with AI agent and a Partner Portal for B2B referrals.
Product overview
Upscore operates as a unified digital mortgage brokerage platform centered on the Finance Passport, which serves as the core product for mortgage pre-qualification. Supporting the Finance Passport are several specialized tools: the Property Finder (with AI capabilities for property search and negotiation), the Partner Portal for business referrals, the Spain Property Cost Calculator for purchase cost estimation, the Spanish Mortgage Calculator for payment simulation, and the Convert Currency service for FX assistance. The platform focuses exclusively on non-resident mortgages across Spain, Portugal, and UAE through partnerships with six Spanish banks (CaixaBank, Sabadell, UCI, Bankinter, Santander, BBVA), three Portuguese banks, and five UAE banks. All services are free for users, with Upscore earning commission from partner banks on completed mortgages.
Differentiator
Problem solved
Functional benefit
Brands
- Finance Passport™: A mortgage pre-qualification product that analyzes users' financial profiles against partner banks' lending criteria in Spain, Portugal, and UAE to show realistic borrowing options before property purchase.
Products and services
- Finance Passport A mortgage pre-qualification platform that analyses a buyer's financial profile (income, nationality, employment type, deposit, property preferences) against the lending criteria of partner banks in Spain, Portugal, and the UAE simultaneously. Delivers a personalised report with estimated borrowing range, matched banks, LTV limits, required documents, and indicative interest rate ranges within 48 hours. Completed entirely online in approximately 10 minutes with no credit check, free for applicants. Upscore earns commission from partner banks only upon successful mortgage completion.
- Property Finder An AI-powered property search and acquisition service for foreign buyers that scans the entire property market, enables favourites, negotiates prices, schedules viewings with transport arrangement, and handles legalities. Positioned as Upscore's integrated end-to-end property search offering alongside the Finance Passport pre-qualification.
- Partner Portal A B2B referral portal for real estate agents, developers, wealth managers, IFAs, and other professional intermediaries to refer clients to Upscore for non-resident mortgages. Partners can help customers secure a mortgage in a few clicks, boost their own conversion rates, track application progress, and earn referral fees when referred mortgages complete.
- Convert Currency A cross-border currency conversion service that assists users with property deposits and monthly mortgage payments in target countries, offering competitive foreign exchange rates for non-resident property buyers.
Quantifiable outcome
- 9,642 foreigners have explored their mortgage options through Upscore in Spain alone; 390 mortgages approved across all markets; median timeline 4.7 months from first inquiry to notary signing in Spain.
- +5 more outcomes
Companies that use Upscore
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles5 records
Upscore technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Upscore partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights6 records
Upscore competitors and assessment
Company assessmentDirect peers
- Habito: UK-based digital mortgage broker offering online mortgage comparison and advice through a self-serve platform. Closely aligned business model to Upscore: digital application, multiple-lender matching, broker commission economics, and UK FCA regulation.
- Molo Finance: UK digital mortgage broker specialising in buy-to-let, complex income, and non-standard borrowers via a fully online platform. Comparable to Upscore in its digital-first broker model, multi-lender matching, and focus on underserved/non-prime customer profiles.
- Proportunity: UK PropTech combining property identification with mortgage/financing products for buyers. Comparable to Upscore in vertically integrating property search with mortgage access, though focused on the UK first-time buyer segment rather than non-resident cross-border buyers.
- Trussle: UK digital mortgage broker using a self-serve online platform to match consumers with whole-of-market mortgage products. Comparable to Upscore in digital broker model, multi-lender matching, and broker commission revenue model.
Broad incumbents
- Better.com / Better Mortgage: Large-scale US digital mortgage lender and broker with a self-serve online application funnel and commission-based origination. Comparable to Upscore in digital-first mortgage distribution but operates at much greater scale and across US consumers rather than non-resident cross-border buyers.
- idealista: Largest property portal in Spain, Portugal, and Italy with mortgage and financial services content. Comparable to Upscore as the dominant Spanish property discovery channel and a potential partner or competitor in foreign-buyer mortgage lead generation.
- L&C Mortgages: Long-established UK fee-free mortgage broker offering whole-of-market mortgage advice across a broad range of customer profiles. Comparable to Upscore in the credit-broker model, FCA-regulated status, and free-to-customer positioning, though L&C operates at significantly greater scale across the UK.
Emerging players
- Lendbuzz: US-based digital lender using alternative credit data to serve immigrants and non-traditional borrowers. Comparable to Upscore in targeting foreign nationals and non-resident buyers who lack local credit history, though focused on the US auto and mortgage market.
Regional players
- Spotahome: Online marketplace for mid-to-long-term property rentals across Europe and beyond, primarily serving international and expat tenants. Comparable to Upscore in serving cross-border property seekers in Spain/Portugal, though focused on rentals rather than purchase mortgages.
- Casavo: PropTech iBuyer operating in Spain, Italy, and Portugal with instant-purchase and ancillary services for home buyers and sellers. Comparable to Upscore in the Spanish/Italian/Portuguese cross-border property buyer segment and in integrating ancillary services around a property transaction.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Upscore social profiles
Digital presenceUpscore compliance and trust
Trust signalCompliance2 records
Upscore financial estimates
Financial estimateRevenue estimate
Valuation estimate
Upscore leadership team
Management profileNumber of profiles
Profiles3 records
Upscore funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Upscore M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Upscore
What does Upscore do?
Upscore is a UK-based FCA-authorised digital credit broker that helps foreigners obtain local mortgages in Spain, Portugal, and the UAE through its Finance Passport™ pre-qualification platform. Applicants complete an online financial profile that is matched against the lending criteria of 6 Spanish, 6 Portuguese, and 5 UAE partner banks, producing a personalised report with estimated borrowing range, eligible banks, LTV, document checklists, and indicative rates. The service is free for applicants; Upscore earns a commission from partner banks on completed mortgages, with supplementary offerings including a Property Finder with AI agent and a Partner Portal for B2B referrals.
Is Upscore a public or private company?
Upscore is a private company. It is classified as unknown and is currently operating.
When was Upscore founded?
Upscore was founded in 2023. It employs 11 to 50 people.
Where is Upscore based?
Upscore is headquartered in London, United Kingdom, in the Europe region.
How does Upscore make money?
One revenue line is on record: broker commission from partner banks on completed mortgages.
Who are Upscore's main competitors?
Direct peers on record are Habito, Molo Finance, Proportunity and Trussle. Broad incumbents are Better.com / Better Mortgage, idealista and L&C Mortgages. Lendbuzz is listed as an emerging player. Regional players are Spotahome and Casavo.
Does Upscore have an API?
No public API is recorded for Upscore.
What industry is Upscore in?
Upscore's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 52231 and its SIC code is 6163.