Mortgage Advice Bureau

What Mortgage Advice Bureau does

Mortgage Advice Bureau (Holdings) PLC is a UK mortgage intermediary founded in 2000 and headquartered in Derby. Operating under FCA authorisation, the company runs a national network of 2,135 closing mainstream advisers (as of FY2025) delivering face-to-face and telephone mortgage advice to UK consumers across first-time buyer, remortgage, buy-to-let, later-life, and protection segments. MAB earns transaction-based fees (up to 1%, typically 0.3% of loan value) on arranged mortgages drawn from a panel of 90+ lenders offering 12,000+ products, supplemented by recurring revenue from protection commissions and a partner-firm network operating under the MAB brand. First-time buyers accounted for 67% of 2024 customers, with average buyer age 34, income £35,900, and property value £226,900.

MAB's core technology is the proprietary Platform CRM, which spans customer capture, lead distribution, application processing, and retention. The 2025 acquisition of Dashly added AI-powered mortgage monitoring, automated retention triggers, and hyper-personalised insights directly into the CRM. The MyMAB mobile app extends the platform to consumers for affordability assessment, deposit tracking, and adviser connection. Mortgage & Protection Academy (launched 2015) has trained over 700 advisers, feeding the network's organic growth.

The business model combines consumer-direct distribution (website calculators, MyMAB app, 33,873 verified reviews at 4.9/5) with a channel/partner model in which appointed representative firms and broker partners use MAB's technology, lead generation, and compliance infrastructure in exchange for revenue sharing. FY2025 revenue was £318.8m (up 20% YoY) on £32bn of mortgage completions (up 23%), with adjusted PBT of £36.3m. The company has executed a sustained acquisition programme, including The Fluent Money Group (£95m, 2022), Dashly (£2.8m, 2025), and nine deals totalling £9.6m in 2025, and transitioned from AIM to the LSE Main Market in May 2026.

Name

Mortgage Advice Bureau

Legal name

Mortgage Advice Bureau Limited

Website

https://mortgageadvicebureau.com

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

UK mortgage intermediary operating a national network of 2,135 advisers distributing 12,000+ mortgage products from 90+ lenders. Earns transaction fees and protection commissions, powered by the proprietary Platform CRM, Dashly AI monitoring, and the MyMAB consumer app.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage services
• Residential mortgage advice
• Protection insurance products
• Later life lending
• Buy-to-let financing

Headquarters

HQ city

Derby

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advice and Arrangement: MAB earns fees from arranging mortgages for customers through its network of advisers. The company accesses over 12,000 mortgage products from 90+ lenders to find suitable deals for customers.
2. Protection and Insurance Products: Advisers provide advice on protection products including life insurance, critical illness cover, income protection, and buildings and contents insurance, earning commissions on arranged policies.
3. Partner Firm Network: MAB partners with mortgage advisers and broker firms who operate under the MAB brand, providing technology, lead generation, compliance support, and business growth services in exchange for revenue sharing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Mortgage Advice Bureau is a UK mortgage intermediary network that arranges residential mortgages, remortgages, buy-to-let finance, later-life lending, and protection insurance through a national network of over 2,000 advisers and partner broker firms. The firm accesses 90+ lenders and 12,000+ mortgage products, supported by its proprietary Platform CRM, the Dashly AI-powered mortgage monitoring system, the MyMAB consumer mobile app, and the Mortgage & Protection Academy for adviser training.

Product overview

Mortgage Advice Bureau operates as a UK mortgage intermediary network offering mortgage advice, protection insurance, and related financial services through a network of over 2,000 advisers with access to 90+ lenders and 12,000+ mortgage products. The core offering consists of Platform (proprietary CRM with integrated Dashly AI capabilities), the MyMAB customer-facing app, Mortgage & Protection Academy for adviser training, and Mortgage Finder for product search. Additional services include protection products (life insurance, critical illness cover, income protection), will writing, and remortgage advice. The recent acquisition of HomeOwners Alliance extends their digital presence in the home-moving ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Dashly: Industry-leading mortgage monitoring and data platform providing AI-powered insights for customer retention
• HomeOwners Alliance (HOA)
• MyMAB App

Products and services

• Residential Mortgage Advice

Quantifiable outcome

• £318.8m revenue in 2025, up 20% year-over-year
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered strategic and core.

• HomeOwners Alliance Ltd (HOA)strategicStrategic or Co-development Partner · 14 April 2026MAB acquired HomeOwners Alliance Ltd for £1.4 million. HOA is a property advice platform attracting millions of web visits annually, providing guidance, tools, and services to homeowners and prospective buyers. Supports MAB's strategy to expand presence across the home-moving ecosystem.
• First Mortgage DirectcoreTechnology or Integration · 30 May 2024MAB acquired the remaining 20% stake in First Mortgage Direct (a Scottish mortgage lender) for £9.35 million, completing its previous 80% stake purchase from 2019. Ian McGrail continues as Managing Director. The transaction is expected to be earnings enhancing for MAB.
• The Fluent Money GroupcoreStrategic or Co-development Partner · 28 March 2022MAB announced the acquisition of The Fluent Money Group for £95 million, with deal completion targeted before H2 2022 pending approval. Fluent Money Group provides specialist mortgage and finance solutions.
• DashlycoreTechnology or IntegrationMAB acquired Dashly, an industry-leading mortgage monitoring and data platform. The acquisition integrates Dashly's AI-powered insights and automated monitoring into MAB's proprietary CRM platform, enabling advisers to provide lifetime value service and automated lead generation.
• Heron, Evolve, and MeridianstrategicStrategic or Co-development PartnerMAB acquired majority ownership of Heron, Evolve, and Meridian as part of its 2025 M&A activity totaling £9.6 million in cash consideration across 9 transactions.
• The Mortgage Mum and UK MoneymanstrategicStrategic or Co-development PartnerMAB invested in The Mortgage Mum and UK Moneyman, high-growth partnerships leveraging MAB's technology and capital to expand into specialist finance and Later Life lending markets.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Trussle: Online UK mortgage broker using technology to match customers with lender products. Represents the digital-native segment competing with MAB for the same consumer mortgage demand, particularly remortgage.
• Habito: UK digital-first mortgage broker and lender. Competes with MAB on the same residential customer base, but differentiates through a tech-led platform with no adviser-led advice for standard cases; a partial threat and emerging alternative.

Broad incumbents

• LSL Property Services: UK listed property services group (Your Move, Reeds Rains) with a significant mortgage advisory arm. Comparable as a vertically integrated estate agency and mortgage intermediary competing for the same home-moving customer.
• Connells Group: UK's largest estate agency and property services group with embedded mortgage broking operations. Adjacent competitor to MAB in the home-moving customer journey, with much broader scale across estate agency and conveyancing.
• Skipton Building Society: UK mutual lender and one of the largest mortgage originators. Competes with MAB indirectly by offering direct mortgage products, while also partnering through intermediary channels — overlapping but not a direct intermediary competitor.

Direct peers

• London & Country Mortgages (L&C): One of the UK's largest independent mortgage brokers, accessing whole-of-market lender panels. Directly comparable to MAB as a fee-charging, whole-of-market intermediary serving residential purchase, remortgage and buy-to-let customers.
• SimplyBiz Group: Support services group for UK financial advisers and mortgage brokers, including compliance, technology and lender panel access. Comparable to MAB's partner firm support proposition across the intermediary value chain.
• John Charcol: Long-established UK mortgage broker serving complex and high-net-worth borrowers. Comparable to MAB's specialist mortgage advice offering, particularly for later-life and complex income cases.
• Openwork Partnership: UK financial advice network with a large mortgage intermediary arm operating through partner firms. Closely comparable to MAB's AR/DA network model, distribution model, and adviser-led revenue approach.
• PRIMIS Mortgage Network: UK mortgage and protection network supporting appointed representative firms. Operates the same intermediary network model as MAB, with similar technology, lead generation and compliance support offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/MABCentral
• Facebookfacebook.com/MABCentral
• LinkedInlinkedin.com/company/mortgage-advice-bureau

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A2 records

Investments1 record

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

Frequently asked questions about Mortgage Advice Bureau