Brightstar

Specialist Mortgage Brokeragebrightstarhub.co.uk

Brightstar Financial is a UK FCA-regulated specialist credit broker (not a lender), headquartered in Billericay, Essex, distributing second charge, bridging, development, commercial, residential, buy-to-let, asset finance, and insurance products to mortgage intermediaries and consumers with complex financial needs.

Company typePrivate
Founded2011
HeadquartersBillericay, United Kingdom
Headcount51–100
GTM typeB2B and B2C
OfferingServices

What Brightstar does

Brightstar Financial (legal entity Bright Star Financial Limited) is a UK specialist credit broker headquartered in Billericay, Essex, founded in 2011. The firm is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 712700 and operates as a credit broker — not a lender — distributing complex-case lending solutions to UK mortgage intermediaries and consumers. Its portfolio spans second charge mortgages, bridging finance, development finance, commercial finance, residential mortgages, buy-to-let mortgages, asset finance, insurance, and a private label (white-label) offering. The stated focus is on complex cases that mainstream lenders decline, including non-standard income (e.g., directors with complex income), capital-raising situations, and non-standard property types.

The firm is built on two proprietary technology assets: the LaunchPad broker portal for intermediary access and relationship management, and the Easysource sourcing and case management system (24/7 case submission and tracking), which embed Brightstar into broker workflows. Operating technology is described as a cloud-based broker portal and case management system, and the website tracks incoming referrals from AI platforms (ChatGPT, Claude, Gemini, Copilot, Perplexity) and traditional SEO as top-of-funnel channels.

Commercially, Brightstar earns commission on successful case completions from lenders and product providers; commission levels vary by lender, product, and permissible factors and are not publicly disclosed. Go-to-market is split between a Broker Portal (direct intermediary services, exclusively for intermediaries), a Consumer Direct portal, and a channel/reseller model via 40+ UK mortgage club and network partnerships (Legal & General Mortgage Club, Paradigm Mortgages, PMS, SimplyBiz, The Right Mortgage Network, Mortgageforce, Openwork, Sesame, Mortgage Advice Bureau, among others). Customer segmentation is horizontal: primary segment is UK mortgage brokers and IFAs handling complex cases; secondary segment is individual consumers with complex financial needs. Headcount is stated as 51–100 employees, with leadership including Founder & CEO Rob Jupp and Group COO William Lloyd Hayward.

Brightstar firmographics

Firmographics

Name: Brightstar
Legal name: Bright Star Financial Limited
Website: https://brightstarhub.co.uk
Company type: Private
Founded year: 2011
Operating status: Operating
Headcount range: 51–100 employees
Short description: Brightstar Financial is a UK FCA-regulated specialist credit broker (not a lender), headquartered in Billericay, Essex, distributing second charge, bridging, development, commercial, residential, buy-to-let, asset finance, and insurance products to mortgage intermediaries and consumers with complex financial needs.
Ownership category
akta.pro rank

Brightstar industry classification

Industry

Product category: Specialist Mortgage Brokerage
NAICS: Credit Intermediation and Related Activities (522)
SIC: Loan Brokers (6163)
akta.pro primary industry: Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
akta.pro secondary industry: Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

Specialist mortgage broker
Bridging finance solutions
Second charge mortgages
Development finance lending
Complex case mortgages

Where Brightstar is headquartered

Location

Headquarters

HQ city: Billericay
HQ country: United Kingdom
HQ region: Europe

Offices1 record

Markets served

Brightstar business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

Broker Referral and Intermediary Services: Brightstar Financial operates as a credit broker serving mortgage intermediaries. They receive commissions from lenders and financial product providers based on successful case completions. The company explicitly states they are a credit broker, not a lender, and may receive commissions that vary depending on the lender, product, or other permissible factors.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Commission-based broker services

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Brightstar product offering

Product offering

Core offering

Brightstar Financial operates as a specialist UK credit broker, sourcing and packaging complex finance solutions for mortgage intermediaries and consumers. Its offering spans second charge mortgages, bridging finance, development finance, commercial finance, residential mortgages, buy-to-let mortgages, asset finance, insurance, and private label services, accessed via the LaunchPad broker portal and the Easysource 24/7 case management platform.

Product overview

Brightstar Financial operates as a specialist finance broker offering a unified portfolio of mortgage and lending products. The core offering comprises Second Charge Mortgages, Bridging Finance, Development Finance, Commercial Finance, Residential Mortgages, Buy-to-Let Mortgages, Asset Finance, Insurance, and Private Label services. These products are distributed through a broker network and the company's own servicing platform, providing referral and packaged solutions for complex financial cases that mainstream lenders typically cannot accommodate.

Differentiator

Problem solved

Functional benefit

Products and services

Second Charge Mortgages

Companies that use Brightstar

Customer profile

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Brightstar technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature2 records

Brightstar partnerships and signals

Strategic signal

Partnerships

Eight partnerships are on record, tiered core.

Legal & General (Mortgage Club and Network)coreChannel Partner/ Reseller/ DistributorPartnership with Legal & General Mortgage Club and network services, allowing brokers affiliated with L&G to access Brightstar's specialist finance solutions for complex client cases.
Paradigm MortgagescoreChannel Partner/ Reseller/ DistributorParadigm Mortgages network partnership enabling their broker members to access Brightstar's specialist lending products and expertise.
PMS (Porterbrook Mortgage Services)coreChannel Partner/ Reseller/ DistributorPMS network partnership providing their broker members with access to Brightstar's specialist finance solutions.
SimplyBizcoreChannel Partner/ Reseller/ DistributorSimplyBiz mortgage club partnership enabling their network of brokers to access Brightstar's specialist products.
The Right Mortgage & Protection NetworkcoreChannel Partner/ Reseller/ DistributorPartnership with The Right Mortgage Network, providing their brokers access to Brightstar's specialist lending solutions for complex cases.
MortgageforcecoreChannel Partner/ Reseller/ DistributorMortgageforce network partnership allowing their brokers to utilise Brightstar's specialist finance expertise.
EasysourcecoreTechnology or IntegrationBrightstar uses Easysource (easysource.co.uk) as their sourcing and case management system, allowing brokers to submit and track cases 24/7.
Additional Mortgage NetworkscoreChannel Partner/ Reseller/ DistributorAdditional network partnerships include: Openwork, Sesame, John Charcol, Mortgage Advice Bureau, Stonebridge, Validpath, Quilter, St James Place Wealth Management, Tavistock Partners, and 40+ other networks listed on their enquiry form.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Brightstar competitors and assessment

Company assessment

Direct peers

Coreco: UK specialist mortgage broker focused on complex income, adverse credit, and high-value cases — directly comparable to Brightstar's specialist complex-case mortgage offering.
Lendhub: UK specialist finance broker offering bridging, development, and commercial finance to brokers and consumers — comparable as another intermediary-driven specialist finance distributor in the same product niches as Brightstar.
TFC (The Finance Centre): UK specialist finance broker serving mortgage intermediaries across development, bridging, commercial, and second charge lending — directly comparable to Brightstar's intermediary-focused specialist product set.
L&C Mortgages: One of the UK's largest fee-charging mortgage brokers offering whole-of-market access across mainstream and specialist lending — comparable as a scaled UK credit intermediary serving consumer and broker-referred clients.
John Charcol: Long-established UK specialist mortgage broker focused on complex cases including self-employed, high-net-worth, and non-standard income borrowers — directly comparable to Brightstar's specialist complex-case positioning.
Habito: Digital-first UK mortgage broker using technology to match borrowers with whole-of-market lenders — comparable as a UK credit intermediary, though with a different distribution model (direct-to-consumer rather than broker-referral).
Crystal Specialist Finance: UK specialist finance packager working with brokers across second charge, bridging, development, and commercial finance — directly comparable to Brightstar's product breadth and intermediary distribution model.
Haysto: UK specialist mortgage broker focused on self-employed and complex-income borrowers who struggle with mainstream lenders — directly comparable to Brightstar's core specialist segment.

Broad incumbents

Together Money: UK specialist lender offering bridging, development, BTL, and complex residential mortgages — operates as a provider on the supply side of the specialist market that Brightstar distributes to, making it a comparable but functionally distinct counterparty in the same product ecosystem.
Mortgage Advice Bureau: One of the UK's largest mortgage and protection broker networks, listed by Brightstar as a distribution partner and operating broadly across mainstream and specialist lending at significantly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Brightstar compliance and trust

Trust signal

Compliance1 record

Brightstar financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Brightstar leadership team

Management profile

Number of profiles

Profiles7 records

Brightstar funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Brightstar M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Brightstar

What does Brightstar do?

Is Brightstar a public or private company?

Brightstar is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Brightstar founded?

Brightstar was founded in 2011. It employs 51 to 100 people.

Where is Brightstar based?

Brightstar is headquartered in Billericay, United Kingdom, in the Europe region.

How does Brightstar make money?

One revenue line is on record: broker Referral and Intermediary Services.

Who are Brightstar's main competitors?

Direct peers on record are Coreco, Lendhub, TFC (The Finance Centre), L&C Mortgages, John Charcol, Habito, Crystal Specialist Finance and Haysto. Broad incumbents are Together Money and Mortgage Advice Bureau.

Does Brightstar have an API?

No public API is recorded for Brightstar.

What industry is Brightstar in?

Brightstar's product category is Specialist Mortgage Brokerage. Its primary akta.pro industry code is BPAHAOAD, Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit), with a secondary code of BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing). Its NAICS code is 522 and its SIC code is 6163.