Mortgage Force

What Mortgage Force does

Mortgage Force (UK) Ltd is a UK-authorized mortgage brokerage firm founded in 2000, operating from its registered office in Derby with regional offices in London, March (Cambridgeshire), and Bathgate (Edinburgh/Scotland). The firm is regulated by the Financial Conduct Authority (FCA number 843041) and operates as part of the Mortgage Force Organisation network of independently owned advisers, with founder Ian Day identified as owner. The firm serves individual consumers across the UK through a network of over 80 advisers delivering whole-of-market mortgage and protection advice, either face-to-face, by telephone, or via website enquiry forms.

The company's product offering spans 14+ mortgage categories — First-Time Buyer, Remortgage, Buy-to-Let, Adverse Credit, Fixed Rate, Tracker, Low Deposit, Family, Self-Build, Equity Release, Second Charge, Debt Consolidation, Commercial, Bridging Loans, and Development Finance — complemented by protection insurance products (Critical Illness, Income Protection, Life Insurance). The technology stack is consumer-facing and conventional: a website with enquiry forms, two interactive calculators (mortgage repayment and stamp duty), and a customer portal. Core integrations include Onfido for KYC identity verification, Open Banking for consented financial data access, and credit bureau providers for identity and credit checks. There is no proprietary AI/ML infrastructure, no public API, and no mobile app.

Revenue is generated on a per-transaction basis — a fee capped at 1% of the loan amount with a minimum of £495 per regulated mortgage arrangement, disclosed to clients upfront. Distribution combines four regional branches, a telephone advisory service, website self-service enquiry, and referral partnerships with estate agents, new home builders, third-party lead suppliers, a recommended conveyancing panel, and lender/insurance product providers. Marketing is multi-channel, centered on organic SEO, content marketing (including a quarterly 'Word on the Mortgage Market' newsletter), calculator-driven lead capture, and community/word-of-mouth referrals.

Name

Mortgage Force

Legal name

Mortgage Force (UK) Ltd

Website

https://mortgageforce.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Force (UK) Ltd is a UK FCA-authorized mortgage brokerage operating regional offices in Derby, London, Cambridgeshire, and Scotland, with a network of over 80 advisers providing whole-of-market mortgage and protection advice to individual consumers across the United Kingdom.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage broking
• Mortgage advice
• Protection insurance
• Buy-to-let finance
• Remortgage services

Headquarters

HQ city

Derby

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Arrangement Fees: The firm charges fees for arranging regulated mortgages. Fees are capped at 1% of the loan amount with a minimum of £495. This is disclosed to clients at the outset of the advisory process.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Mortgage Force is a UK mortgage broking firm that delivers whole-of-market mortgage and protection advice through a network of over 80 advisers operating from regional offices in Derby, London, Cambridgeshire, and Scotland. It arranges residential, specialist, and commercial mortgage products on behalf of customers, charging a regulated arrangement fee capped at 1% of the loan amount (minimum £495), and bundles access to life, critical illness, and income protection insurance alongside its mortgage advisory service. Online tools (mortgage calculator, stamp duty calculator) and digital enquiry/application channels complement the adviser-led service for retail consumers, buy-to-let investors, and commercial property buyers throughout the UK.

Product overview

Mortgage Force is a UK mortgage broking firm offering a comprehensive range of mortgage products and financial protection services. The core offering consists of mortgage broking services across 14 distinct mortgage product types (including First Time Buyer, Remortgage, Buy to Let, Adverse Credit, Fixed Rate, Tracker, and Specialty products like Bridging Loans and Development Finance). Protection products including Critical Illness, Income Protection, and Life Insurance are offered as add-on modules. Digital tools (Mortgage Calculator and Stamp Duty Calculator) complement the service. The firm serves customers throughout the UK from regional offices in Derby, London, Cambridge, and Scotland.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Specialist mortgage advice and arrangement for customers purchasing their first home, including support on low deposit schemes (e.g., 5% deposit) and government-backed initiatives such as 95% LTV, Shared Ownership, and Lifetime ISA guidance. Intended for first-time buyers in the UK.
• Remortgage Advice and arrangement for switching an existing mortgage to a new lender or to a different product with the current lender (product transfer), typically to secure better rates or terms at the end of a fixed-rate period. Intended for existing UK homeowners.
• Buy to Let Mortgages Mortgage advice and arrangement for landlords purchasing property to rent out, with options for individuals and limited companies and lending decisions based on rental income coverage. Intended for UK property investors.
• Adverse Credit Mortgages Mortgage advice and arrangement for borrowers with impaired credit history (defaults, CCJs, bankruptcy) using specialist lenders that consider non-standard applications. Intended for UK consumers who have been declined by mainstream lenders.
• Low Deposit Mortgages Mortgage advice for purchases with low deposits (typically 5%), often through government guarantee schemes, helping buyers enter the market with smaller upfront capital. Intended for UK first-time buyers and movers with limited deposits.
• Family Mortgages Mortgage solutions enabling family members to support a purchase through gifted deposits or joint borrower sole proprietor arrangements, allowing parents or relatives to bolster affordability without taking ownership. Intended for UK buyers using family assistance.
• Fixed Rate Mortgages Mortgage products with an interest rate fixed for a set period (typically 2–5 years), providing payment certainty against rate rises. Intended for UK borrowers seeking rate predictability.
• Tracker Mortgages Variable rate mortgages where the interest rate tracks the Bank of England base rate plus a defined margin, often with flexibility to switch to fixed rates. Intended for UK borrowers comfortable with rate variability in exchange for lower initial rates.
• Self-Build Mortgages Specialist mortgages with funds released in stages as construction progresses, designed for customers building their own property rather than buying an existing home. Intended for UK self-build applicants.
• Commercial Mortgages Mortgage finance for the purchase of commercial property such as shops, offices, and other business premises (unregulated under the FCA's mortgage regime). Intended for UK business owners and investors.
• Bridging Loans Short-term property finance used where speed is essential, such as chain breaks or auction purchases, typically repaid via a longer-term mortgage or sale. Intended for UK property buyers and investors needing rapid execution (unregulated).
• Development Finance Specialist funding for property developers undertaking construction or renovation projects, typically released in stages against project milestones. Intended for UK property developers (unregulated).
• Equity Release Mortgages Lifetime mortgages allowing homeowners aged 55+ to release equity from their property without monthly repayments, with interest rolled up and repaid on death or moving into care. Intended for older UK homeowners seeking to unlock property wealth.
• Second Charge Mortgages Additional loans secured against a property that rank behind the primary mortgage, used for debt consolidation or major purchases while leaving the first-charge mortgage undisturbed. Intended for UK homeowners seeking additional secured borrowing.
• Debt Consolidation Mortgages Consolidating existing unsecured debts into a single mortgage secured against the property, simplifying repayments and potentially reducing overall interest costs. Intended for UK borrowers managing multiple debt obligations.
• Life Insurance Insurance paying a lump sum or series of payments upon death during the policy term, typically arranged alongside mortgage advice to ensure the mortgage balance can be cleared if the policyholder dies. Intended for UK borrowers seeking mortgage-linked protection.
• Critical Illness Insurance Insurance paying a tax-free lump sum upon diagnosis of specified critical illnesses, intended to protect mortgage repayments and household income during serious illness. Intended for UK borrowers and their families.
• Income Protection Insurance Insurance providing a regular tax-free income if the policyholder is unable to work due to sickness or accident, helping maintain mortgage repayments during periods of incapacity. Intended for UK earners relying on continued income to service their mortgage.
• Mortgage Calculator Interactive online tool allowing users to estimate mortgage repayments based on property value, deposit, current property value, mortgage balance, loan amount, term, and applicant income (employed or self-employed). Supports up to two applicants.
• Stamp Duty Calculator Online calculator estimating the stamp duty land tax due on UK property purchases based on property price, buyer circumstances (e.g., first-time buyer status, additional property surcharge), and applicable tax bands.

Quantifiable outcome

• Fee capped at 1% of loan with minimum of £495, ensuring transparent and capped costs for customers
• +1 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor, core and supporting.

• Estate AgentsminorChannel Partner/ Reseller/ DistributorMortgage Force works with estate agents who may refer customers to the firm for mortgage services. Referrals are made only with customer consent. This channel partner network helps generate customer leads from property buyers engaged in the home-buying process.
• New Home BuildersminorStrategic or Co-development PartnerNew home builders refer prospective buyers to Mortgage Force for affordability evaluation, as it is in the builder's legitimate interest to assess whether customers can afford the properties being sold. This partnership helps streamline the new-build purchasing process.
• OnfidocoreTechnology or IntegrationOnfido provides identity verification services used by Mortgage Force to verify customer identities as required by law for mortgage applications and anti-money laundering compliance. This is a critical compliance partnership.
• Mortgage LenderscoreOthersThe firm submits mortgage applications to various mortgage lenders across the market. These include major high street lenders and specialist providers. The firm searches all available options to find the most competitive product for each customer.
• Insurance ProviderssupportingOthersMortgage Force works with insurance providers including Life & Critical Illness insurance providers and general insurance providers (e.g., home insurance) to offer protection products alongside mortgage advice.
• ConveyancerssupportingImplementation/ SI/ Consulting PartnerMortgage Force maintains a recommended panel of conveyancers who provide conveyancing services for customers who agree to proceed with a quote. This partnership supports the overall property purchase process.
• Lead SuppliersminorChannel Partner/ Reseller/ DistributorThird-party lead suppliers who refer potential customers to Mortgage Force. These partnerships help generate new customer inquiries for mortgage services.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market mortgage and protection advice across residential, BTL, and remortgage segments. Directly comparable to Mortgage Force on customer base, product breadth, and fee-based intermediary model.
• Habito: UK digital-first mortgage broker and lender offering online whole-of-market advice plus direct lending products. Competes with Mortgage Force for the same UK mortgage customers but through a pure-play digital channel, representing the technology-led competitive threat.
• John Charcol Mortgages: Long-established UK whole-of-market mortgage broker operating on an adviser-led, fee-based model across residential and specialist mortgage segments. Direct comparable in business model, FCA-authorised advisory, and UK geographic coverage.
• SPF Private Clients: UK mortgage broker specialising in high-net-worth, complex income, and large-loan mortgages, also offering bridging, development finance, and equity release. Directly comparable on specialist product mix and adviser-led fee model.
• Enness Global Brokers: UK whole-of-market mortgage broker focused on high-net-worth and large-loan cases, also sourcing bridging and development finance. Comparable in adviser-led, fee-based broking model and specialist product breadth.
• Your Mortgage Decisions: UK mortgage broker network with multiple adviser offices offering whole-of-market residential, BTL, and protection advice. Comparable structure to Mortgage Force within the broker network model.
• Tyler Mortgage Management: UK whole-of-market mortgage broker offering residential, BTL, bridging, and commercial finance through adviser-led service. Direct comparable on product breadth and fee-based intermediary model.

Emerging players

• Trussle: UK digital remortgage broker that automates broker workflow and offers whole-of-market remortgaging as a self-service product. Overlaps with Mortgage Force's remortgage segment but operates at a different cost structure and customer experience.

Broad incumbents

• Newcastle Building Society: UK regional building society offering mortgages directly to consumers plus intermediary services. Operates in the same UK mortgage space but as a lender/direct provider rather than a pure broker — useful benchmark for customer acquisition and product economics.

Regional players

• Connells Group (Countrywide / Connells): Large UK estate agency group with integrated mortgage broking services via in-house brokers. Comparable as a multi-channel UK mortgage adviser network; differs by being attached to estate agency flow rather than standalone broker offices.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/remortgageuk

Compliance2 records

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 Mortgage Force