Capricorn Financial Consultancy

What Capricorn Financial Consultancy does

Capricorn Financial Consultancy, trading as Capricorn Financial Group, is a London-headquartered independent mortgage and property finance advisory founded in 2005 on Fleet Street. The firm operates three sub-brands — Capricorn Financial Mortgages (UK residential, buy-to-let, and large specialist lending at £1m+), Capricorn International (UK property finance for overseas buyers, expatriates, and international investors), and Capricorn Commercial (investment mortgages, bridging and development finance, business loans) — serving high-net-worth individuals, expatriates, UK residents, and property investors/developers across the UK, Europe, the Middle East, and Asia. It employs 90+ specialist advisers across nine offices: three in the UK (Hammersmith HQ, Mayfair at 66 Grosvenor Street, Newmarket) and six internationally (Singapore, Hong Kong, Shanghai, Dubai, Bangkok, Kuala Lumpur), with a workforce speaking 23 languages.

The firm operates a multi-panel broker model, accessing mainstream high street lenders, specialist banks, private banks, and commercial finance providers. Its core technology is the Smartr365 cloud-based end-to-end mortgage platform — adopted in 2017 and founded by Capricorn's CEO Conor Murphy — providing automation, workflow efficiency, digital client engagement, real-time case tracking, and automated compliance workflows. Revenue is generated through transaction-based commissions on mortgage origination, protection/insurance advisory, and commercial finance placements; pricing is bespoke and not publicly disclosed. Distribution is built on a formalized introducer network of estate agencies, property developers, law firms, wealth managers, and accountancy practices, supplemented by direct advisory in offices and remote channels.

Capricorn remains privately held and founder-controlled under Conor Murphy, with no disclosed external investors, funding rounds, or institutional ownership. The firm has grown organically over two decades through geographic expansion, sub-brand diversification, and senior hires (CCO from Bank of Ireland/Barclays, CFO with investment banking background), and operates an environmental partnership with Evertreen planting over 5,000 trees annually for each completed mortgage.

Name

Capricorn Financial Consultancy

Legal name

Capricorn Financial Group

Website

https://capricornfinancial.co.uk

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

Capricorn Financial Group is a London-founded, privately held mortgage and property finance advisory operating across the UK, Europe, Middle East, and Asia via three sub-brands serving high-net-worth, expatriate, and commercial clients, with 90+ specialist advisers and commission-based transaction revenue.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage & Property Finance Advisory

NAICS

Portfolio Management and Investment Advice (52394)

SIC

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

akta.pro industry

PRIMARYFSAEAJAH

Real Estate Advisory & Consulting (Strategy, Portfolio & Location)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Real Estate Advisory & Brokerage

Keywords

• Mortgage brokerage services
• Property finance advisory
• High net worth lending
• International mortgage solutions
• Commercial finance brokerage

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Services: Commission-based advisory fees from mortgage broking and property finance services. The company operates a multi-panel structure providing access to a broad range of lenders across residential, protection, commercial and specialist finance markets.
2. Protection Advisory: Life, critical illness and income protection advisory services, generating revenue through insurance commissions.
3. Commercial Finance: Commercial lending, bridging finance, and development finance advisory services.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Capricorn Financial Consultancy is a London-based mortgage and property finance brokerage founded in 2005. It provides residential, buy-to-let, international, commercial, bridging and development finance advisory services, alongside protection insurance, to high-net-worth individuals, expatriates, investors and developers across the UK, Europe, the Middle East and Asia. The firm operates through a multi-panel structure providing access to mainstream, specialist and private lenders, supported by 90+ specialist advisers across UK and international offices.

Product overview

Capricorn Financial Group operates as a multi-service financial advisory group with three distinct sub-brands serving different market segments: Capricorn Financial Mortgages handles UK residential mortgages, protection, and specialist lending (£1m+); Capricorn International serves overseas buyers and expatriates; and Capricorn Commercial provides property finance and business lending. The group serves clients across the UK, Europe, Middle East, and Asia through offices in London, Singapore, Hong Kong, Shanghai, Dubai, Bangkok, and Kuala Lumpur. All advisory services are supported by the Smartr365 technology platform for digital workflows and client engagement.

Differentiator

Problem solved

Functional benefit

Brands

• Capricorn Financial Mortgages: Expert advice across home loans, insurance and complex high-value lending within the UK. Covers Residential & Buy-to-Let Mortgages, Personal & Business Protection, and Large & Specialist Lending (£1m+).
• Capricorn International
• Capricorn Commercial

Products and services

• Capricorn Financial Mortgages UK mortgage and protection advisory service covering residential and buy-to-let mortgages, personal and business protection, and large specialist lending for high-net-worth clients seeking advice in the UK.
• Capricorn International Specialist mortgage solutions for overseas buyers, expatriates, and international investors purchasing or refinancing UK property, with dedicated advisory teams in Singapore, Hong Kong, Shanghai, Dubai, Bangkok and Kuala Lumpur.
• Capricorn Commercial Property and business finance services including investment mortgages, bridging and development finance, and business loans designed for investors, developers and businesses requiring structured commercial funding.

Quantifiable outcome

• More than 5,000 new trees planted every year through Evertreen partnership
• +1 more outcomes

Segments4 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

Seven partnerships are on record, tiered core and minor.

• Smartr365coreTechnology or Integration · 1 January 2017Core end-to-end technology platform partnership since 2017. Smartr365 provides cloud-based mortgage platform enabling automation, workflow efficiency and digital client engagement. Smartr365 is the platform of choice for over 4,500 advisers in the UK. Capricorn's CEO Conor Murphy is also the Founder and CEO of Smartr365.
• EvertreencoreStrategic or Co-development PartnerEnvironmental partnership through which Evertreen plants a tree for every completed mortgage, amounting to more than 5,000 new trees every year. Evertreen plants trees where they have the greatest environmental and social impact, supporting projects across Africa, Asia, and Central America. Capricorn Forests established in Kenya and Madagascar.
• Estate AgenciescoreChannel Partner/ Reseller/ DistributorIntroducer partners referring clients seeking mortgage and property finance services.
• Property DeveloperscoreChannel Partner/ Reseller/ DistributorIntroducer partners referring clients seeking development finance and property investment services.
• Law FirmsminorChannel Partner/ Reseller/ DistributorIntroducer partners referring clients requiring property finance alongside legal transactions.
• Wealth ManagerscoreChannel Partner/ Reseller/ DistributorIntroducer partners referring high-net-worth clients requiring mortgage and property finance services.
• Accountancy PracticesminorChannel Partner/ Reseller/ DistributorIntroducer partners referring clients with complex financial structures requiring specialist lending solutions.

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• John Charcol: Long-established London-based specialist mortgage broker focused on complex, high-value, and non-standard lending cases for professional and HNW clients — directly overlapping Capricorn Financial Mortgages' core proposition.
• SPF Private Clients: UK specialist mortgage broker serving HNW, expat, and complex-borrowing clients with a multi-panel lender approach — highly comparable to Capricorn International and Capricorn Financial Mortgages.
• London & Country Mortgages: One of the largest UK mortgage brokers with whole-of-market panel access and significant adviser headcount, competing head-on with Capricorn on residential and buy-to-let broking.
• Alexander Hall: London-focused mortgage broker with a multi-adviser team handling residential, buy-to-let, and complex cases — comparable scale and proposition to Capricorn's UK advisory arm.

Emerging players

• Octane Capital: Specialist lender and broker focused on complex, large-balance, and HNW mortgage cases — overlapping with Capricorn's specialist lending (£1m+) and commercial finance segments.
• Habito: Digital-first UK mortgage broker using technology to streamline broker workflows and consumer experience — a fintech-style competitor whose technology angle parallels Capricorn's Smartr365-enabled model.

Broad incumbents

• Connells (incorporating Countrywide): Large UK estate agency and mortgage services group with a broad panel and substantial adviser base — competes with Capricorn on residential and buy-to-let distribution at significantly greater scale but less HNW focus.
• St. James's Place: Major UK wealth manager with mortgage and property finance capabilities for HNW clients through its partner network — overlaps with Capricorn's HNW and wealth-manager-aligned segments.
• Quilter: Large UK wealth and financial advice group offering mortgage and property finance solutions as part of a broader financial planning proposition — adjacent to Capricorn's HNW and wealth manager referral ecosystem.

Others

• Kensington Mortgages: UK specialist lender serving self-employed, contractor, and complex-borrower segments — a lender counterparty that Capricorn likely uses on its panel, illustrating the wider specialist-finance ecosystem Capricorn operates in.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 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 Capricorn Financial Consultancy