Coreco

What Coreco does

Coreco is a UK-based whole-of-market mortgage brokerage operating as Coreco Partners LLP, a limited liability partnership founded in April 2009 by Andrew Montlake. The firm provides access to over 90 lenders and more than 12,000 mortgage products, serving first-time buyers, remortgagors, buy-to-let investors (including limited company, HMO, and portfolio landlord structures), self-employed borrowers, and specialist cases such as large loans above £1M, later-life, short-lease, offshore, foreign currency, and bridging finance. Coreco also offers commercial mortgages, development finance, insurance products, wealth management via Coreco Wealth, employer financial wellbeing services, and a sustainability initiative (corECO). The platform is built on a WordPress website with MeetParker chat integration, Google Analytics, and standard security and consent tooling, supplemented by interactive mortgage calculators and a content library including Monty's Mortgage Blog, the Coreco Couch podcast, and educational guides. The business generates revenue primarily through commission on mortgage products placed with lenders, supplemented by explicit mortgage advice fees typically set at 0.3% of the amount borrowed (up to a maximum of 1%). GTM is sales-led via telephone advisory (020 7220 5110), in-person consultations at the London headquarters and nine regional adviser locations across England and Scotland, and digital channels including online chat, contact forms, and broker referrals. Coreco operates as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, both FCA-authorized, providing the regulatory authorization required for UK mortgage advisory activity.

Name

Coreco

Legal name

Coreco Partners LLP

Website

https://coreco.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Coreco is a UK whole-of-market mortgage broker providing access to 90+ lenders and 12,000+ products across residential, buy-to-let, and specialist finance. Founded in 2009, it serves individual borrowers and landlords nationwide via telephone and in-person advisory services.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Commission: Coreco generates revenue through commission fees earned on mortgage products placed with lenders. The company acts as an intermediary between borrowers and lenders, earning a fee for facilitating mortgage transactions.
2. Mortgage Advice Fees: Fees for mortgage advice services. There may be a fee for mortgage advice. The actual amount paid depends on individual circumstances. The fee is up to 1% of the amount borrowed but a typical fee is 0.3% of the amount borrowed.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Coreco is a UK whole-of-market mortgage broker providing advice and arranging mortgages across residential, buy-to-let, commercial, bridging, and development finance categories via access to 90+ lenders and 12,000+ products. The firm supplements brokerage with insurance, wealth management, and employer financial wellbeing services, delivering advice via telephone, in-person consultations, and online tools.

Product overview

Coreco is a UK-based mortgage brokerage operating as a whole-of-market broker with access to over 90 lenders and 12,000 mortgage products. The company offers a comprehensive suite of residential and specialist mortgage products including first-time buyer mortgages, remortgages, buy-to-let mortgages (with specialist options for limited companies, HMOs, and portfolio landlords), commercial mortgages, development finance, and bridging loans. Coreco provides additional services such as insurance, wealth management, employer financial wellbeing programs, and sustainability-focused advice through its corECO initiative. The product portfolio is organized around core mortgage brokering services supported by digital tools (mortgage calculators), educational resources (knowledge hub with blogs, podcasts, guides), and network partnerships (Coreco MPS, Coreco Scotland). The company also offers related services through subsidiaries including Atelier 22 for property design services.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Mortgage advice and arrangement for first-time homebuyers, including access to low-deposit, high-LTV, and government-backed schemes such as Help to Buy and Own New.
• Remortgages Advice and arrangement for switching an existing mortgage to a new lender, typically to secure better rates, release equity, or adjust the loan term.
• Buy to Let Mortgages Specialist mortgage advice for landlords, including standard buy-to-let, limited company BTL, HMO mortgages, and portfolio landlord finance for 4+ properties.
• Mortgages for Freelancers Specialist mortgage advice for self-employed individuals, contractors, and freelancers with non-standard income documentation.
• Large Mortgage Loans Specialist mortgage advice for high-value residential loans exceeding £1,000,000, using lenders willing to underwrite large amounts.
• Later Life Mortgages Mortgage advice for older borrowers, including retirement-focused lending options from specialist later-life lenders.
• Short Lease Mortgage Specialist mortgage advice for properties with short leases (as low as nine years).
• Offshore Mortgage Mortgage advice for foreign nationals seeking to purchase property in the UK.
• Foreign Currency Mortgage Mortgage advice for clients requiring mortgages denominated in currencies other than pounds sterling.
• New Build Property Mortgage Mortgage advice for newly built properties, accessing lenders offering preferential rates and incentives for new-build purchases.
• Bridging Loans Short-term funding solutions secured against property or land for time-sensitive purchases, arranged through Coreco's specialist lender panel.
• Commercial Mortgages Mortgage advice and arrangement for commercial property purchases.
• Development Finance Short-term lending advice for property development projects and turnkey investments, with rate comparison via the integrated Property Funding Platform.
• Insurance Services Home insurance and personal protection products offered through Coreco alongside its mortgage advice service.
• Coreco Wealth Wealth management and financial planning services offered alongside Coreco's mortgage brokerage.
• Employer Financial Wellbeing Services Financial education and wellbeing programmes for employees, delivered to UK employers as a workplace benefit.

Quantifiable outcome

• 5.0 Google rating based on 1,318 reviews
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Mortgage Advice Bureau LimitedcoreChannel Partner/ Reseller/ DistributorCoreco operates as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. These entities are joint controllers of customer data and are authorised and regulated by the Financial Conduct Authority (FCA). This partnership provides regulatory authorization for Coreco to offer mortgage advice services in the UK.
• Atelier 22minorStrategic or Co-development PartnerAtelier 22 is a visionary design studio featured under 'Who we work with' on Coreco's website. The design studio specializes in creating high-end and high-street spaces for homeowners, landlords, and investors, potentially offering property styling and design services that complement Coreco's property finance services.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mortgage Advice Bureau (MAB): MAB is Coreco's appointed principal and the UK's largest mortgage broker network, with 2,000+ advisers. Direct structural relationship and same business model (whole-of-market mortgage and insurance broking), making it the most directly comparable peer.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market access to lenders. Direct competitor in the same residential and remortgage segments, with a similar telephone- and online-led advisory model.
• John Charcol: Long-established specialist UK mortgage broker focused on complex cases including self-employed, BTL, and high-value loans. Direct peer in the specialist niches Coreco prioritises.
• SPF Private Clients: UK whole-of-market mortgage broker specialising in high-net-worth, large mortgage loans, and complex income cases. Directly comparable to Coreco's high-value and specialist lending segments.
• Private Finance: Independent UK mortgage broker offering whole-of-market access with emphasis on complex and high-value cases. Comparable to Coreco across residential, BTL, and commercial mortgage segments.
• Alexander Hall: London-based independent mortgage broker with whole-of-market access. Operates in the same London-centric prime and high-value segments as Coreco, with similar telephone-led advice model.
• Fluent Money: UK specialist mortgage broker focused on complex cases including adverse credit, self-employed, and BTL. Comparable to Coreco's specialist lending proposition with similar segment overlap.

Emerging players

• Habito: UK digital-first mortgage broker and lender offering an end-to-end online advice and application experience. Competes for the same first-time buyer and remortgage customers as Coreco but with a tech-led model rather than human advisory.
• Trussle: Digital UK mortgage broker originally focused on remortgaging. Targets the same remortgage customer pool as Coreco but through an automated model, representing a technology-led competitive threat.

Broad incumbents

• Stipendium (L&C): MoneySuperMarket operates a mortgage comparison and lead-generation platform that routes customers to brokers and lenders. A broader incumbent competing for the same customer acquisition funnel as Coreco's SEO- and content-driven top-of-funnel strategy.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/coreco
• Facebookfacebook.com/CorecoGroup
• LinkedInlinkedin.com/company/coreco-group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Coreco