Zing Mortgages

What Zing Mortgages does

Zing Mortgages is a privately held UK mortgage brokerage operating primarily in Essex and across the United Kingdom, serving individual consumers seeking residential or investment mortgages. The company provides mortgage advisory and arrangement services spanning first-time buyer, home mover, remortgage, buy-to-let, bad credit, affordable housing, and new build mortgage categories, supplemented by insurance products (life, buildings, critical illness, income protection, accident/sickness/unemployment), secured loan brokering, and conveyancing solicitor referrals. Its core customer base is fragmented, comprising individual homebuyers and property investors rather than enterprise clients.

The business model combines client-paid advisory fees (typically £399-£999 per case) with lender commissions earned through placed mortgages, consistent with standard UK mortgage broker practice. Distribution is sales-led: trained mortgage advisors engage customers via in-person consultations across Essex locations or via remote Zoom appointments, with estate agent referral partnerships providing mid-funnel lead flow. Zing operates as a trading style of Miura Financial Solutions Limited and is an appointed representative of HL Partnership Limited, a UK mortgage network authorised and regulated by the Financial Conduct Authority. This relationship grants Zing access to over 100 lenders and thousands of mortgage products, including exclusive deals not available directly to consumers.

Technology is non-proprietary; the platform is a traditional advisory service augmented by an SEO-optimised website with location-specific landing pages across 16 Essex towns, online mortgage calculators, and a Feefo-integrated review system displaying a 4.9/5 rating. Membership in Legal & General's Specialist New Homes division provides exclusive new build rates with a six-month offer validity and a 28-day exchange-of-contracts guarantee. The company has accumulated multiple ESTAS and MFG customer service and industry awards between 2016 and 2022, and was named HL Partnership's Best Firm 2022.

Name

Zing Mortgages

Legal name

Zing Mortgages Limited

Website

https://zing-mortgages.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Zing Mortgages is a UK-based mortgage brokerage operating primarily in Essex, providing mortgage advice and brokering services to individual consumers across first-time buyer, remortgage, buy-to-let, and specialist lending categories, with access to over 100 lenders through HL Partnership.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Mortgage Lead Generation & Marketing Intermediaries (FSALABAI), Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ)

Keywords

• Mortgage advisory services
• Residential mortgage brokerage
• Remortgage advice
• Buy-to-let mortgages
• First-time buyer mortgages

Headquarters

HQ city

Southminster

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory and Arrangement Fees: Zing Mortgages charges fees for mortgage advice and arrangement services. Fees typically range from £399 to £999 depending on complexity and circumstances, with a typical estimate of £999 mentioned on the main website.
2. Lender Commission: As a mortgage broker operating through the HL Partnership network with access to over 100 lenders, Zing Mortgages likely earns commission from lenders on successfully placed mortgages, which is standard industry practice for UK mortgage brokers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Zing Mortgages is a UK mortgage broker and advisor operating in Essex and across the UK. It arranges residential and buy-to-let mortgages by matching customers with over 100 lenders accessed through the HL Partnership network, and also brokers complementary products such as insurance (life, buildings, critical illness, income protection), secured loans, and conveyancing referrals. Advice is delivered by dedicated mortgage advisors via in-person meetings or Zoom, supported by fee-based advisory charges plus lender commission.

Product overview

Zing Mortgages operates as a mortgage broker offering a unified advisory service that connects clients with over 100 lenders through HL Partnership. The core product is mortgage advisory services spanning first-time buyer mortgages, home mover mortgages, remortgages, buy-to-let mortgages, bad credit mortgages, affordable housing schemes, 100% mortgages, and new build mortgages. The company also provides complementary insurance services (life insurance, buildings insurance, critical illness cover, income protection, accident/sickness/unemployment cover), secured loans brokering, conveyancing solicitor referrals, and online mortgage calculators. New build mortgage services are enhanced through exclusive partnership with Legal & General's Specialist New Homes division, offering exclusive rates not available on the high street.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Services Impartial mortgage advice and brokering for UK consumers across first-time buyer, home mover, remortgage, buy-to-let, bad credit, affordable housing, and 100% LTV scenarios, with access to over 100 lenders via HL Partnership.
• First Time Buyer Mortgages Tailored mortgage advice for first-time buyers, including low-deposit options and 100% LTV (no-deposit) mortgage products via guarantor or family deposit routes.
• Home Mover Mortgages Mortgage advice for existing homeowners moving to a new property, including porting existing deals and arranging new mortgages with smooth transition support.
• Remortgages Remortgage advice and arrangement to help homeowners secure better rates, release equity, or change mortgage terms.
• Buy To Let Mortgages Buy-to-let mortgage brokering for first-time landlords and portfolio investors, with products aligned to rental income expectations.
• Bad Credit Mortgages Specialist mortgage advice for individuals with credit challenges, connecting them with specialist lenders willing to consider their financial history.
• Affordable Housing Mortgages Mortgage guidance for buyers seeking government-backed affordable homeownership schemes including Shared Ownership and First Homes.
• New Build Mortgages Specialist mortgage advice for new build property purchases, with exclusive rates through Legal & General's Specialist New Homes division, six-month offer validity, and guaranteed exchange of contracts within 28 days.
• Insurance Services Tailored insurance advice and arrangement for mortgage clients, covering life insurance, buildings insurance, critical illness cover, income protection, and accident, sickness and unemployment cover.
• Secured Loans Broker service arranging secured loan products for clients seeking property-backed borrowing.
• Conveyancing Referral Service Referral service connecting clients to recommended conveyancing solicitors, with dedicated chasing and progress updates through the legal process.

Named customers6 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and flagship.

• HL Partnership LimitedcoreChannel Partner/ Reseller/ DistributorZing Mortgages operates as an appointed representative of HL Partnership Limited, one of the UK's most established mortgage networks. Through this partnership, Zing accesses over 100 lenders and exclusive mortgage products not available on the high street. HL Partnership processes over £3 billion in mortgages annually and provides regulatory oversight, with HL Partnership being authorised and regulated by the Financial Conduct Authority.
• Legal & General (Specialist New Homes Division)flagshipStrategic or Co-development PartnerZing Mortgages is one of a select group of companies forming Legal & General's 'Specialist New Homes' division. This exclusive partnership provides Zing clients with negotiated mortgage rates not available on the High Street for new build properties. All new build mortgage offers are valid for six months and exchange of contracts can be guaranteed within 28 days.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Habito: UK digital-first mortgage broker/online lender offering direct-to-consumer advice and execution without local branches. Comparable in customer base and product category, but competes through technology rather than personal advisor relationships.
• Mojo Mortgages: Online UK mortgage broker providing whole-of-market comparisons and remote advice. Overlaps with Zing on lender access and core customer segments but competes as a tech-led direct-to-consumer alternative to high-street/regional brokers.

Direct peers

• London & Country Mortgages: One of the UK's largest fee-charging mortgage brokers, operating on a whole-of-market basis with national reach. Comparable to Zing in product breadth, fee-based advisory model, and target customers (first-time buyers, movers, remortgagers, BTL).
• Mortgage Advice Bureau: Largest UK mortgage broker franchise (LSE-listed), with thousands of advisers accessing a wide lender panel. Directly comparable in core service (advised mortgage broking), customer base and lender access model.
• John Charcol: Long-established UK mortgage broker with nationwide remote advice. Comparable whole-of-market brokerage model and customer base, including specialist and complex income cases like Zing's bad credit segment.
• First Mortgage Direct: UK whole-of-market mortgage broker with regional offices. Closely comparable business model, segmented approach (first-time buyers, movers, BTL, remortgage), and reliance on a network panel for lender access.
• Trinity Financial: UK whole-of-market mortgage broker serving individual borrowers, with access to a wide lender panel. Directly comparable to Zing in business model, customer base (homebuyers, remortgagers, buy-to-let investors), and reliance on whole-of-market access rather than direct lending.

Broad incumbents

• Kensington Mortgages: UK specialist residential mortgage lender, particularly active in near-prime, self-employed and adverse-credit segments. Overlaps with Zing's bad-credit and specialist lending customer base, but competes as a capital provider rather than intermediary.
• Barclays Mortgages: Major UK high-street lender offering residential and buy-to-let mortgages directly to consumers. Competes with brokers like Zing for the same end-borrower but only offers its own products, illustrating the trade-off consumers weigh when deciding between brokers and direct lenders.

Others

• Legal & General Mortgage Club: Legal & General's intermediary/club network provides exclusive products and rates to partner brokers - including Zing via its Specialist New Homes division. Comparable as an enabling industry participant rather than a direct competitor to Zing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/zingmortgages

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Zing Mortgages