Firco Group

What Firco Group does

Firco Group (legally Firco Financial Services Group Ltd) is a UK-based independent financial advisory and mortgage brokerage firm founded in 2001 and headquartered in Liverpool. The firm is authorised and regulated by the Financial Conduct Authority under reference 760774, with its services covered by the Financial Services Compensation Scheme (FSCS), and operates through a multi-brand portfolio including Firco Group (independent financial advice), Firco Mortgages (brokerage), PinsaWealth.co.uk (wealth platform), TheMortgagePoint.online (online mortgage brokerage), and OnlineMortgageSpecialist.co.uk (educational resource).

The company delivers bespoke one-to-one advisory services covering retirement planning, wealth management, wealth preservation, investment advice, pension tracing and consolidation, and protection products (general insurance, life insurance, income protection, critical illness, wills and trusts). Mortgage brokerage spans residential, buy-to-let, specialist and complex property finance, development and bridging loans, and portfolio structuring. Underlying technology is a standard SME web stack — WordPress hosted on WP Engine within UK data centres with WordFence firewall protection, paired with a third-party client portal at fircogroup.gb.pfp.net — with no disclosed APIs, proprietary models, or AI/ML capabilities.

Revenue is generated through three streams: financial advisory fees (professional services model), mortgage brokerage commissions and arrangement fees (transaction fee), and insurance advisory commissions (transaction fee). GTM is sales-led, combining direct face-to-face and remote advisory delivery with a strategic professional introducer network spanning accountants, solicitors, property professionals, and specialist brokers. Marketing channels include content/SEO, social media (Twitter, Instagram, Facebook), and email newsletter via MailChimp. The customer base is exclusively individual consumers segmented across retirement planners, property buyers and investors, expatriates, and high net worth clients.

Name

Firco Group

Legal name

Firco Financial Services Group Ltd

Website

https://fircogroup.co.uk

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Firco Group is a UK FCA-regulated independent financial adviser and mortgage brokerage headquartered in Liverpool, serving individuals and families with bespoke retirement planning, wealth management, mortgage, and protection advisory services delivered face-to-face or remotely.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Mortgage Bankers & Loan Correspondents (6162), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Independent Broker-Dealers (Retail Network) (FSAAAAAC)

Keywords

• Independent financial advice
• Mortgage brokerage services
• Retirement planning advisory
• Wealth management services
• Protection insurance advice

Headquarters

HQ city

Liverpool

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees: Fees charged for providing independent financial advice covering retirement planning, wealth management, investment advisory, and financial planning services. Services include assessment of client needs and circumstances, personalised recommendations, and ongoing financial guidance.
2. Mortgage Brokerage: Commission and fees earned from arranging residential mortgages, buy-to-let mortgages, specialist and complex property finance, development and bridging finance, and portfolio structuring for clients.
3. Insurance Advisory: Fees and commissions from advising and arranging insurance products including general insurance, life insurance, income protection, and critical illness cover.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Firco Group provides independent financial advice and mortgage brokerage services to UK individuals and families. Core offerings include retirement planning, wealth management, wealth preservation, investment advisory, and a full range of mortgage products (residential, buy-to-let, specialist, development, and bridging finance), delivered via bespoke one-to-one advisory engagements either face-to-face or remotely. Supporting services include protection insurance, wills and trusts, and pension tracing/consolidation.

Product overview

Firco Group is a financial advisory and mortgage brokerage firm operating as a single unified service rather than a platform-plus-modules architecture. The core offering combines Firco Group (financial advisors providing independent financial advice, retirement planning, wealth management and wealth preservation) with Firco Mortgages (specialist mortgage brokerage services). Supporting services include pension tracing and consolidation, protection products (general insurance, life insurance, wills and trusts), and a professional introducer partnership program for accountants, solicitors, and property professionals. Services are delivered face-to-face or remotely as bespoke one-to-one advisory.

Differentiator

Problem solved

Functional benefit

Brands

• Firco Mortgages: Mortgage brokerage brand offering residential and buy-to-let mortgages, specialist property finance, and mortgage advisory services.
• PinsaWealth.co.uk
• TheMortgagePoint.online
• OnlineMortgageSpecialist.co.uk

Products and services

• Firco Group – Independent Financial Advice Full-service financial advisory firm providing independent, whole-of-market financial advice across retirement planning, wealth management, wealth preservation, and investment services, delivered as tailored one-to-one engagements to UK individuals and families.
• Firco Mortgages Independent mortgage brokerage brand offering residential and buy-to-let mortgages, specialist and complex property finance, development and bridging loans, and portfolio structuring for UK property buyers and investors.
• Retirement Planning Retirement planning advisory service for UK individuals, including assessment of retirement readiness, pension consolidation, and optimisation of retirement income strategies.
• Wealth Management Comprehensive wealth management service covering investment advisory, portfolio construction, and ongoing review for individuals and businesses seeking to grow and protect their assets.
• Wealth Preservation Wealth preservation advisory focused on protecting client wealth from market volatility and taxation through structured planning and product selection.
• Protection Services Protection advisory and arrangement service covering general insurance, life insurance, income protection, critical illness cover, wills, and trusts for individuals and families.
• Pension Tracing and Consolidation Pension tracing and consolidation service that helps clients locate lost workplace pensions and consolidate multiple pension pots into a single manageable arrangement, simplifying retirement savings.

Quantifiable outcome

• £19.4 billion in lost pensions identified by ABI, highlighting opportunity for pension consolidation services

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Accountants and Tax AdvisorscoreChannel Partner/ Reseller/ DistributorStrategic introducer partnerships with accounting and tax advisory firms who refer clients requiring financial planning and mortgage services. Firco collaborates with these professionals who value clear communication, structured advice, and reliable execution for their clients.
• Solicitors and Legal ProfessionalscoreChannel Partner/ Reseller/ DistributorReferral partnerships with solicitors and legal professionals who direct clients requiring mortgage and financial advisory services. The firm emphasises professional handling of complex cases and transparent communication throughout the advisory process.
• Property ProfessionalscoreChannel Partner/ Reseller/ DistributorPartnerships with estate agents, property developers, and property investment professionals who refer clients buying, selling, or investing in property requiring mortgage financing and financial advice.
• Specialist Mortgage BrokersminorChannel Partner/ Reseller/ DistributorCollaborative relationships with other specialist mortgage brokers for referral of complex cases requiring additional expertise or specific lender relationships.
• UK Mortgage Lenders and InsurerscoreOthersFirco has relationships with key lenders and insurance providers across the UK market, including private banks who do not have high-street presence. They arrange bespoke mortgage and insurance solutions accessing the whole of the market.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Octopus Money: UK digital financial adviser offering online holistic financial planning across pensions, investments, and mortgages. Comparable across the full wealth/retirement/mortgage advisory offering but with a tech-led subscription model rather than face-to-face delivery.
• Habito: UK digital mortgage broker offering online mortgage advice and broking. Comparable to Firco Mortgages in mortgage brokerage but with a digital-first model targeting a younger, more self-serve customer segment.

Broad incumbents

• Brewin Dolphin (RBC Brewin Dolphin): UK wealth manager providing investment management and financial planning to private clients. Comparable wealth management and investment advisory overlap, but serving predominantly HNW clients at significantly greater scale and now backed by RBC.
• AJ Bell: UK investment platform and SIPP provider offering retail investment, pension, and savings products. Comparable retirement and investment product overlap, though primarily platform-led versus advisory-led.
• St. James's Place: Large UK wealth manager operating through a restricted adviser network providing investment, retirement, and wealth planning services. Comparable in offering independent-style advice across retirement and wealth, but at vastly greater scale and through a tied model.
• Quilter: UK wealth manager offering financial advice, investment platforms, and retirement solutions to UK consumers. Overlaps with Firco across retirement planning, investment advice, and wealth management, but operates at significantly larger scale.
• Hargreaves Lansdown: UK investment platform offering direct-to-consumer investment, pension, and savings products with some advice services. Comparable as a UK retail investment and retirement provider, though predominantly self-directed rather than face-to-face advice.
• Interactive Investor: UK flat-fee investment platform offering ISAs, SIPPs, and trading. Comparable as a UK retirement and investment provider serving retail clients, though with a self-directed model rather than advisory.

Direct peers

• Mortgage Advice Bureau: UK mortgage brokerage network offering residential and buy-to-let mortgage advice through appointed representatives. Directly comparable as an independent mortgage brokerage serving UK consumers with whole-of-market access.
• London & Country Mortgages: UK whole-of-market mortgage broker and later life lending specialist. Directly comparable to Firco Mortgages for residential, BTL, and complex case mortgage brokerage serving UK consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fircogroup
• Facebookfacebook.com/FircoGroup
• Instagraminstagram.com/FircoGroup
• LinkedInlinkedin.com/company/firco-group

Revenue estimate

Valuation estimate

Number of profiles

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 Firco Group