Mortgages for Business

What Mortgages for Business does

Mortgages for Business (MFB) is a UK-based mortgage brokerage founded in 1990 and headquartered in West Malling, arranging mortgage finance for individual and commercial borrowers across four core segments: buy-to-let (BTL) investors (its primary segment), residential homebuyers, commercial property purchasers, and short-term finance seekers. The firm is FCA-regulated, a founder-member of the National Association of Commercial Finance Brokers (NACFB), and holds the unique distinction of being the only UK broker to have achieved NACFB Fellowship status.

MFB's core product is its advisory and lender-placement service, delivered by senior mortgage consultants holding CeMAP, CertBB&C, and CeFIP qualifications. The firm accesses exclusive broker-only products from its lender panel and supplements commission revenue with referral fees from ancillary services including conveyancing, landlord insurance, and landlord tax advisory. Revenue mechanics are commission-based on completed mortgage placements, with secondary income from partner referrals — there is no disclosed SaaS, subscription, or proprietary-technology revenue line.

The firm operates a sales-led go-to-market model using expert consultants supported by multi-channel marketing across website, email campaigns, webinars, in-person events, and online affordability/ROI calculators. Technology is presented as standard marketing and CRM tooling rather than a proprietary platform; no AI/ML, automation, or in-house underwriting technology is disclosed. The business is privately held by founder/Managing Director David Whittaker, with Andy Elley serving as Head of Commercial, and has won the industry's "Best Mortgage Broker" designation for five consecutive years.

Name

Mortgages for Business

Website

https://mortgagesforbusiness.co.uk

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

Mortgages for Business is a UK-based mortgage brokerage founded in 1990, arranging finance for buy-to-let investors, homebuyers, commercial property buyers, and short-term finance seekers via its FCA-regulated specialist lender panel.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

akta.pro secondary industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage
• Buy to let finance
• Commercial mortgages
• Bridging finance
• Property investment loans

Headquarters

HQ city

West Malling

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broker Commission: The company earns commission from mortgage lenders when placing mortgages for clients. This is a transaction-based model where fees are typically paid by the lender upon successful mortgage completion, not charged directly to the borrower.
2. Referral Fees from Ancillary Services: MFB offers related services including conveyancing, insurance (life, critical illness, income protection, buildings and contents, landlord insurance), and tax services. The company likely earns referral fees or commissions from these partner service providers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Mortgages for Business is a UK independent mortgage brokerage that arranges property finance for individual and business borrowers across four core product lines: buy-to-let, commercial property, residential homebuyer, and short-term finance (bridging, refurbishment, development, auction). The firm earns commission from lenders on completion and supplements this with referral fees from ancillary services such as protection insurance, landlord insurance, conveyancing, and landlord tax. Customers access advisors by phone, email, callback, online enquiry, or live chat, and can self-serve rate discovery through a suite of online mortgage calculators.

Product overview

Mortgages for Business (MFB) operates as a unified mortgage brokerage platform offering a comprehensive suite of property finance products. The core offering centers on four main product lines: Buy to Let Mortgages for landlords, Commercial Property Mortgages for business property needs, Homebuyer Mortgages for residential purchases, and Short-Term Finance for time-sensitive transactions. These are complemented by a range of supporting services including insurance products (life, critical illness, income protection, buildings and contents, landlord insurance), professional services (conveyancing, landlord tax), and digital tools (mortgage calculators, property portfolio review). The platform also serves intermediaries through a dedicated broker service and provides extensive educational resources through its news, blogs, and guides hub.

Differentiator

Problem solved

Functional benefit

Products and services

• Buy to Let Mortgages Specialist mortgage products for landlords renting properties to tenants, covering first-time landlords, portfolio landlords, limited company borrowing, HMOs, BTL remortgages, interest-only, and low-deposit BTL mortgages.
• Commercial Property Mortgages Mortgage solutions for commercial property investments and owner-occupiers, covering commercial investments, semi-commercial properties, and owner-occupier segments.
• Homebuyer Mortgages Residential mortgage products for homebuyers purchasing their own home or remortgaging, including specialist products for first-time buyers, self-employed individuals, and key workers.
• Short-Term Finance Fast-access financing options including bridging finance, refurbishment finance, development finance, and auction finance for time-sensitive property transactions.
• Mortgage and Protection Insurance Insurance products protecting mortgage holders including life insurance, critical illness cover, income protection, and buildings and contents insurance.
• Landlord Insurance Specialized insurance coverage for landlords protecting their rental property investments.
• Conveyancing Services Legal property transfer services offered in partnership to support mortgage transactions.
• Landlord Tax Services Tax advice and services for property landlords.
• Property Portfolio Review Review service for landlords to assess and optimise their property investment portfolios.
• MFB for Intermediaries Dedicated service for mortgage intermediaries and brokers to access MFB's products and expertise for their clients.

Named customers7 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Emerging players

• Better.co.uk: UK online mortgage broker with a strong digital advice platform across residential purchase and remortgage. Adjacent comparator illustrating the digital direction of travel that traditional brokerages like MFB must defend against.
• Habito: UK digital-first mortgage broker and lender offering whole-of-market residential advice online. Comparable as a competing broker channel but reaches borrowers through a tech-led self-serve model rather than MFB's adviser-led, specialist-investor focus.

Direct peers

• London & Country Mortgages: One of the largest UK independent mortgage brokers, offering whole-of-market residential, BTL, and remortgage advice. Directly comparable to MFB as a multi-product retail intermediary with both adviser-led and digital channels.
• SPF Private Clients: UK specialist finance broker focused on complex cases including BTL, commercial, bridging, and development finance—almost identical product mix to MFB and a fellow NACFB member serving similar investor and landlord customers.
• Crystal Specialist Finance: UK specialist finance brokerage arranging residential, BTL, commercial, bridging, and development finance through a wide lender panel. Overlaps directly with MFB on property-investor and short-term finance cases.

Broad incumbents

• Aldermore Bank: UK challenger bank with significant specialist mortgage, BTL, and commercial property lending books. Sits on MFB's lender panel as a funding partner and competes for the same specialist mortgage customers from the lender side.
• Paragon Banking Group: UK specialist lender with a large buy-to-let and portfolio landlord origination business. MFB distributes through Paragon's lender panel, making it an upstream incumbent whose terms and criteria directly affect MFB's BTL segment.
• Landbay: UK specialist BTL lender serving single-let and portfolio landlord borrowers. A key funding counterparty for MFB's primary segment and a broad incumbent in the same property-finance ecosystem.
• Kensington Mortgages: UK specialist residential mortgage lender focused on borrowers who don't fit high-street criteria (self-employed, older borrowers, larger loans). Comparable adjacent incumbent in the specialist intermediated mortgage market that MFB navigates for clients.

Others

• Moneyfacts Compare: UK rate-comparison and financial-data platform widely used by borrowers before approaching a broker. An adjacent ecosystem participant that funnels comparison-stage consumers toward—or away from—specialist brokers like MFB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MortgagesforBus

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Mortgages for Business