Flexible Finance

What Flexible Finance does

Flexible Finance (UK) Ltd is a whole-of-market, independent credit broker headquartered in Newport, South Wales, founded in 2009. The firm specialises in secured, bridging, commercial, development, refurbishment, buy-to-let, and second-charge finance, operating across six product verticals: second-charge mortgages, bridging finance, development finance, commercial mortgages, complex buy-to-let mortgages, and specialist mortgages. Its customer base spans property buyers, landlords with complex circumstances, property developers, commercial property investors, and borrowers with adverse credit or non-standard income, all of whom typically cannot access mainstream high-street lending. The company is authorised and regulated by the Financial Conduct Authority (FRN 725544) and is a member of the National Association of Commercial Finance Brokers (M/0075/15).

The firm operates a sales-led, relationship-based distribution model delivered by a small team (1-10 employees) of named advisors, supported by an introducer program targeting mortgage brokers, IFAs, accountants, and solicitors who can refer clients. Underwriting is manual and the firm does not disclose any proprietary technology platform, API, or mobile application; the technical footprint is limited to a Wix-hosted website, Facebook, and LinkedIn. Revenue is generated through two streams: lender commissions on placed business (varying by lender, provider, product, and other permissible factors) and customer-facing broker fees of up to £1,995 per case, with additional lender fees and valuation costs passed through. Products span consumer and commercial use cases with representative pricing starting from 5.69% variable on second-charge mortgages and going up to a 36.6% maximum APR for customers with credit difficulties.

The business is small, privately held, and geographically constrained to the United Kingdom under FCA regulation. No funding rounds, M&A activity, or subsidiaries are disclosed, and the company has no parent entity. Its strategic posture is that of a stable, niche specialist intermediary leveraging lender-panel breadth, regulatory credentials, and personalised advisory service rather than scale, technology, or capital intensity.

Name

Flexible Finance

Legal name

Flexible Finance (UK) Ltd

Website

https://flexiblefinanceuk.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Flexible Finance (UK) Ltd is a Newport-based FCA-authorised credit broker founded in 2009, sourcing secured, bridging, commercial, development, buy-to-let, and specialist mortgages for property buyers, developers, and borrowers with complex circumstances through a manual, panel-based brokerage model.

Ownership category

akta.pro rank

Product category

Mortgage and Credit Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

akta.pro secondary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Credit brokerage services
• Secured lending solutions
• Bridging finance
• Commercial mortgages
• Second charge mortgages

Headquarters

HQ city

Newport

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Broker Commission: Flexible Finance (UK) Ltd acts as a credit broker and receives commission from lenders on their panel. Commission varies depending on lender, provider, product, or other permissible factors. Any commission received is documented for the customer's attention before they proceed.
2. Broker Fees: A broker fee of up to £1,995 may be charged for arranging finance. The exact amount is disclosed at the earliest opportunity. Lender fees and valuation costs may also apply.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Flexible Finance (UK) Ltd is a whole-of-market independent credit broker that arranges secured lending solutions sourced from an extensive panel of high street banks, challenger banks, specialist lenders, and private funders. The company arranges second charge mortgages, bridging finance, development finance, commercial mortgages, complex buy-to-let mortgages, and specialist mortgages for borrowers with complex circumstances or non-standard property types. It earns commission from lenders and may charge a broker fee of up to £1,995 for arranging finance.

Product overview

Flexible Finance (UK) Ltd is a whole-of-market, independent credit broker offering a portfolio of secured lending products. The core offering consists of Second Charge Mortgages, Bridging Finance, Development Finance, Commercial Mortgages, Complex Buy-to-Let Mortgages, and Specialist Mortgages. These products are designed to serve property buyers, developers, investors, and business owners who may not qualify for standard high street lending, with particular focus on complex cases involving credit challenges, unique property situations, or specialized financing needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Second Charge Mortgages A second charge mortgage (also referred to as a homeowner loan or secured loan) allows homeowners who already have an existing mortgage to borrow additional funds against the remaining equity in their property, adding a second legal charge. Suited to homeowners seeking to release equity without disturbing their existing first-charge mortgage.
• Bridging Finance A short-term loan (typically 1–12 months) secured against property, designed for property buyers and developers who need funds quickly until a more permanent form of finance can be arranged. Available as regulated (personal/residential) or non-regulated (commercial/investment) bridging.
• Development Finance Short-term funding (typically 6–24 months) arranged for property developers to cover land purchase costs and build costs on residential or commercial development projects, with drawdowns typically made in arrears as specified milestones are completed.
• Commercial Mortgages A long-term loan arranged to purchase or refinance land or property intended for business or investment purposes, secured against non-residential property such as offices, warehouses, or retail units. Includes semi-commercial mortgages for mixed-use properties. Suited to owner-occupiers and commercial property investors.
• Complex Buy-to-Let Mortgages Specialist buy-to-let mortgages arranged for property investors whose circumstances do not fit standard BTL criteria, covering Houses in Multiple Occupation (HMOs), multi-unit blocks, and complex cases such as adverse credit, SPV company borrowers, expats, offshore companies, self-employed applicants, and retired borrowers.
• Specialist Mortgages Mortgage products arranged for borrowers with complex circumstances — including adverse credit, unusual income types, proof-of-income challenges, affordability concerns, age considerations, or gifted deposits — who have been declined by mainstream lenders.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• National Association of Commercial Finance Brokers (NACFB)minorOthersIndustry trade body membership. The company is registered as members of NACFB (number M/0075/15) which provides credibility and access to industry resources.

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• L&C (London & Country Mortgages): One of the UK's largest whole-of-market mortgage brokers offering a broad range of products including specialist and complex cases — directly comparable business model but operating at materially greater scale.
• SPF Private Clients: UK specialist mortgage broker serving high-net-worth and complex borrower scenarios, comparable to Flexible Finance in its focus on non-standard lending cases and whole-of-market sourcing.
• John Charcol: Long-established UK specialist mortgage broker focused on complex and non-standard cases, including adverse credit, expat borrowers, and unusual property types — directly comparable to Flexible Finance's specialist lending niche and intermediary model.
• Brightstar Financial: UK specialist mortgage and secured loan broker with strong focus on adverse credit and complex borrower scenarios, operating a similar intermediary model with whole-of-market lender access.

Broad incumbents

• Mortgage Advice Bureau: Large UK mortgage broker network offering a broad product range including specialist lending — comparable intermediation model but operating nationally with a much wider product set and adviser base.

Emerging players

• Habito: UK technology-led online mortgage broker focused on simplifying the customer journey — partial overlap with Flexible Finance's intermediary model, differentiated primarily by digital-first execution and consumer-brand orientation.

Others

• Foundation Home Loans: UK specialist residential and buy-to-let mortgage lender focused on complex borrower cases — an upstream panel partner for brokers like Flexible Finance serving similar customer profiles.
• Together Money: UK specialist lender serving self-employed, adverse-credit, and complex property finance borrowers — an adjacent ecosystem participant whose target customer profile overlaps significantly with Flexible Finance's client base.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FlexibleFinanceUKLimited
• LinkedInlinkedin.com/company/flexible-finance-uk-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Flexible Finance