What Norton Finance does

Norton Finance and Mortgages Limited (operating as Norton Finance) is a UK-based credit broker, not a lender, that connects consumers with a curated panel of selected lenders offering secured and unsecured loan products. Founded in 1998 and headquartered in Rotherham, South Yorkshire, the company is authorised and regulated by the Financial Conduct Authority under Firm reference 589554 and is a member of the Association of Mortgage Intermediaries (AMI) and the Association of Finance Brokers (AFB). The product portfolio spans secured loans (£10,000-£500,000, rates from 5.69%), unsecured loans (up to £25,000, terms up to 10 years), debt consolidation loans, bad credit loans, bridging loans, and a full remortgage suite including buy-to-let, commercial, bad credit, consolidation, and equity release products. Purpose-specific lending covers vehicle finance (cars, classic cars, motorbikes, caravans, boats), personal events (weddings, medical, holidays), and business needs (property development, commercial remortgages).

The company's core technology stack consists of a self-serve online portal featuring a soft credit check capability (credit-bureau-based soft search that does not impact the borrower's credit score) and an online loan calculator for affordability assessment, complemented by a 24/7 phone-based advisory channel staffed by CeMAP-certified Customer Relations Managers. Distribution is direct-to-consumer within the UK only, via website, phone, social media (Facebook, Twitter), email newsletter, and review platforms (Trustpilot, Feefo, where the company holds a 4.7/5 rating and Feefo Platinum Trusted Service Award).

The revenue model is transaction-based: the company earns broker commissions from lenders when a customer completes a loan with an introduced lender, and charges an optional broker fee of up to 12.5% of the loan amount (capped at £4,950) on secured loans; no broker fee is charged on unsecured loans. The company also owns and controls Norton Home Loans Limited, a related-party lender on its panel, with disclosed conflict-of-interest handling. Customer segments are diversified across homeowners with equity, customers with adverse credit, self-employed individuals, property developers, buy-to-let investors, and debt consolidation seekers, with no disclosed enterprise concentration.

Name

Norton Finance

Legal name

Norton Finance and Mortgages Limited

Website

https://nortonfinance.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

101–250 employees

Short description

Norton Finance is a UK-based FCA-regulated credit broker that connects consumers with a curated lender panel offering secured loans (up to £500,000), unsecured loans, remortgages, and purpose-specific lending across multiple life events and credit profiles.

Ownership category

akta.pro rank

Product category

Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Credit brokerage
• Secured loans
• Remortgaging services
• Consumer lending
• Debt consolidation loans

Headquarters

HQ city

Rotherham

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

Revenue model

1. Broker Commission from Lenders: Norton Finance receives a commission from lenders when a customer takes out a loan with an introduced lender. The company is a credit broker and not a lender, working exclusively with a limited number of carefully selected lenders.
2. Broker Fee (Secured Loans): A broker fee of up to 12.5% of the loan amount borrowed, capped at £4,950, may be payable on completion for secured loans. Lender fees may also apply. No broker fees are charged on unsecured loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Norton Finance is a UK FCA-authorised independent credit broker that matches consumers with secured loans (£10,000–£500,000), unsecured personal loans (up to £25,000), remortgages, and a range of specialist lending products (bad credit, self-employed, bridging, buy-to-let, commercial, debt consolidation) sourced through its panel of carefully selected partner lenders. The company does not lend its own capital; it earns broker commission from lenders on successful introductions plus, for secured loans, a broker fee of up to 12.5% of the loan amount (capped at £4,950) payable on completion.

Product overview

Norton Finance operates as an independent loan brokerage platform connecting customers with secured and unsecured lending products. The core offering includes Secured Loans (up to £500,000 with rates from 5.69%) and Unsecured Loans (up to £25,000 with repayment periods up to 10 years), complemented by specialized products including Debt Consolidation Loans, Bad Credit Loans, Bridging Loans, and Self-Employed Loans. The remortgage suite encompasses standard Remortgage products, Buy-To-Let Remortgage, Commercial Remortgage, Bad Credit Remortgage, Debt Consolidation Remortgage, and Equity Release Remortgage. Purpose-specific lending covers vehicles (Car Loans, Classic Car Loans, Motorbike Loans), recreational assets (Caravan Finance, Boat Loans), personal events (Wedding Financing), medical expenses (Medical Bills Loans), travel (Holiday Loans), and business needs (Business Loans, Property Developer Loans). The platform provides a Loan Calculator tool and offers Soft Search Loans featuring credit checks that do not affect scores. Repayment terms range from 1 to 30 years, with amounts available from £3,000 to £500,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Secured Loans Loans secured against the borrower's property, allowing access to larger borrowing amounts (up to £500,000) at potentially lower interest rates than unsecured loans. Targeted at UK homeowners wanting to use property equity for home improvements, debt consolidation, large purchases, or other major outlays. Rates start from 5.69%.
• Unsecured Loans Personal loans that do not require the borrower to secure against their property, offering flexibility for borrowing up to £25,000 with repayment terms of up to 10 years. Targeted at UK consumers wanting personal loans without putting their home at risk. No broker fees apply.
• Remortgage Mortgage refinancing product that lets existing UK mortgage holders renegotiate their mortgage terms to either reduce monthly repayments or release equity as a lump sum, typically for home improvements or other purposes.
• Debt Consolidation Loans Loans that combine a customer's multiple existing debts into a single, easy-to-manage monthly payment. Targeted at UK consumers looking to simplify finances, reduce overall interest costs, or ease repayment schedules across multiple credit commitments.
• Bad Credit Loans Loans specifically designed for UK borrowers with adverse credit histories, including those with CCJs, defaults, or mortgage arrears. Provides access to specialist lenders within Norton Finance's panel who will consider non-standard credit profiles.
• Bridging Loans Short-term secured financing solutions used to bridge timing gaps when buying a property or paying off an existing mortgage. Targeted at UK property buyers, investors, and developers needing interim funding between transactions.
• Self-Employed Loans Loans tailored to UK self-employed individuals (sole traders, freelancers, limited-company directors) whose irregular income or non-standard documentation makes it harder to obtain credit through mainstream lenders. Caters to applicants needing personal or secured credit in their own name.
• Soft Search Loans Loan products that use a soft credit check rather than a full hard credit search, allowing customers to explore their eligibility and loan options without affecting their credit score. Targeted at UK consumers wanting to compare lenders without leaving a damaging footprint on their credit file.
• Joint Loans Loan products taken out by two or more applicants jointly, potentially enabling access to higher borrowing amounts and improved eligibility. Targeted at UK couples or co-applicants seeking shared personal or secured loans.
• Home Improvement Loans Financing specifically earmarked for home improvement projects, available through both secured and unsecured loan options. Targeted at UK homeowners wanting to fund renovations, extensions or upgrades.
• Refurbishment Loans Loans used to fund property refurbishment and renovation projects. Targeted at UK property owners, investors and developers carrying out renovation work on residential property.
• Property Developer Loans Specialist financing for UK property developers undertaking development or build-out projects. Caters to borrowers needing development finance that mainstream residential mortgages typically do not support.
• Business Loans Commercial financing products for UK small-business borrowers for working capital, growth, or operational funding. Targeted at SMEs whose credit needs sit beyond purely personal lending.
• Buy-to-Let Remortgage Remortgage products specifically for landlords and buy-to-let investors to renegotiate existing mortgage terms or release equity from rental properties. Targeted at UK property investors.
• Commercial Remortgage Remortgage products for UK business borrowers to agree new terms on their existing commercial mortgage, typically to lower payments or raise capital.
• Bad Credit Remortgage Remortgage options specifically designed for UK borrowers with poor credit histories to arrange improved rates on their mortgage with the same or a different lender, working with specialist adverse-credit lenders in Norton Finance's panel.
• Debt Consolidation Remortgage Remortgage products allowing borrowers to roll existing debts into the mortgage itself, simplifying repayments into a single monthly payment. Targeted at UK homeowners seeking to consolidate unsecured debts into their mortgage.
• Equity Release Remortgage Equity release remortgage products allowing UK homeowners to free up money from their property for home improvements or lifestyle changes, particularly aimed at older homeowners.
• Car Loans Loans used to finance the purchase of new and used cars. Targeted at UK consumers wanting straightforward vehicle financing arranged through Norton Finance's lender panel.
• Classic Car Loans Specialist loans arranged for UK buyers purchasing classic and vintage vehicles, typically under specialist asset-finance underwriting.
• Motorbike Loans Loans for UK buyers to finance the purchase of motorcycles, brokered through Norton Finance's panel of lenders.
• Caravan Finance Loans arranged to finance the purchase of caravans and recreational vehicles, brokered via Norton Finance's lender panel.
• Boat Loans Loans arranged to finance UK buyers' purchase of boats and watercraft via Norton Finance's lender panel.
• Wedding Financing Personal loans arranged to fund wedding expenses, brokered through Norton Finance's lender panel for UK consumers planning weddings.
• Medical Bills Loans Personal loans arranged to finance medical bills and procedures, brokered through Norton Finance's lender panel for UK consumers.
• Holiday Loans Personal loans arranged to fund holidays and travel, brokered through Norton Finance's lender panel for UK consumers.
• Long Term Loans Loan products with extended repayment periods, suitable for larger borrowing amounts and lower monthly repayments. Targeted at UK consumers wanting long-tenor personal or secured loans brokered via Norton Finance's lender panel.
• Instalment Loans Loans with structured repayment instalments over agreed periods, brokered through Norton Finance's lender panel for UK consumers.

Quantifiable outcome

• Average 4.7/5 customer rating on Feefo

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Association of Mortgage Intermediaries (AMI)coreOthersIndustry body membership demonstrating compliance with industry standards and regulations. Norton Finance is a member of AMI along with the Association of Finance Brokers.
• Association of Finance Brokers (AFB)coreOthersIndustry body membership demonstrating commitment to professional standards. Norton Finance is a member of AFB along with the Association of Mortgage Intermediaries.
• Financial Conduct Authority (FCA)coreOthersRegulatory authority. Norton Finance and Mortgages Limited is authorised and regulated by the FCA under Firm reference number 589554. Registration can be confirmed on FCA's website.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• London & Country Mortgages (L&C): One of the UK's largest independent mortgage and protection brokers, offering whole-of-market remortgage and home loan comparison. Highly comparable to Norton Finance given the shared credit broker model, multi-lender panel, and UK focus on secured lending.
• Habito: UK digital mortgage broker offering whole-of-market mortgage and remortgage comparison with a technology-led customer experience. Directly comparable to Norton Finance in mortgage intermediation, with a similar soft-credit-check-led acquisition funnel.
• Better.co.uk: UK online mortgage and remortgage broker providing whole-of-market comparison through a digital platform. Closely comparable in business model — credit broker, multi-lender panel, FCA-regulated, focused on residential and remortgage products.
• Mojo Mortgages: UK mortgage broker operating a hybrid online and contact-centre distribution model. Comparable to Norton Finance in combining digital self-service with broker-assisted sales across remortgage and home loan products.
• John Charcol: Long-established UK independent mortgage broker (founded 1974) focused on complex, larger, and specialist mortgage cases. Comparable to Norton Finance in serving non-standard and higher-ticket lending through an adviser-led model.
• Ocean Finance: UK consumer credit broker arranging secured loans, unsecured personal loans, and debt consolidation. Highly comparable in product mix and broker-led distribution targeting mainstream and near-prime UK consumers.
• Fluent Money: UK specialist second-charge mortgage and secured loan broker. Comparable to Norton Finance in the secured-loan / homeowner-loan segment, with similar panel-based intermediation and a focus on non-prime borrowers.

Broad incumbents

• Moneysupermarket: UK price-comparison platform covering mortgages, loans, insurance, and banking. Comparable as an indirect competitor in customer acquisition and loan shopping, though it operates as a broader incumbent across financial services rather than specialising in intermediation.
• Compare the Market: UK price-comparison website aggregating loans, mortgages, and insurance products from multiple providers. Adjacent to Norton Finance as a customer acquisition channel that competes for the same borrowers evaluating loan options.

Others

• Moneyfacts: UK financial data and comparison publisher providing product reference data for loans, savings, and mortgages. Adjacent comparable as a competitive information source for UK borrowers, with overlapping audience intent though not a direct broker competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/nortonfinance
• Facebookfacebook.com/nortonfinanceuk
• LinkedInlinkedin.com/company/norton-finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Norton Finance