Landmark Mortgages

What Landmark Mortgages does

Landmark Mortgages Limited is a UK-based private mortgage lender and servicer, founded in 1996 and authorised and regulated by the Financial Conduct Authority (Reg. No. 106081). The company is headquartered in London (10th Floor, 5 Churchill Place, E14 5HU) with operational and postal operations in Skipton, and serves existing residential mortgage customers across England, Wales, and Scotland. Its product portfolio spans Fixed Rate, Tracker, Standard Variable Rate, Discounted, Interest Only, and Lifetime mortgages, plus the combined Together Loans product linking a mortgage with an unsecured loan. Pricing is built around monthly interest charged on mortgage balances, supplemented by per-event administrative fees including up to £250 for mortgage discharge, £40/month for arrears management on accounts 2+ months behind, £180 for borrower changes, £200 for porting, and £31 annually for consent to let. The SVR is currently 7.89% following a January 2026 reduction from 8.14%, with a Loyalty Rate offering a 0.25% discount for existing residential customers holding a mortgage for 7+ years on the same property.

Distribution is direct-to-customer only: a phone contact centre, an automated payment line, a 24/7 secure self-serve portal at portal.landmarkmortgages.com, interactive SMS and voice messaging, and a 24/7 AI-powered Virtual Assistant chatbot launched in November 2024. Customer-facing technology additions in 2023-2024 also include two-way secure messaging (April 2024) and interactive messaging services (March 2023). The company maintains a broad third-party referral network covering debt advice (StepChange, Citizens Advice, Money Helper, National Debtline, PayPlan, Money Advice Scotland), housing and welfare support (Shelter, HLPAS), and mental health (Mind, Samaritans), reflecting a customer base with material exposure to financial difficulty. A technology integration with Paylink powers online income and expenditure assessments, while Lender Exchange provides conveyancer-facing redemption statement access.

Commercially, the business is a closed-book servicer with no disclosed loan-book size, origination volume, revenue, or parent company. Headcount is 11-50 employees. Strategic activity in 2023-2025 has focused on customer support during the cost of living crisis (forbearance, term extensions, interest-only conversions, 12-month possession deferral) and digital servicing modernisation rather than geographic, vertical, or new-customer expansion. No funding rounds, acquisitions, M&A, leadership changes, or geographic expansion signals are present in the available data.

Name

Landmark Mortgages

Legal name

Landmark Mortgages Limited

Website

https://landmarkmortgages.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Landmark Mortgages is a UK-based FCA-regulated private mortgage lender and servicer (founded 1996) that manages a residential mortgage book across England, Wales, and Scotland, offering fixed, tracker, SVR, discounted, interest-only, and lifetime mortgages with direct-to-customer digital servicing.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA)

akta.pro secondary industries

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG), Reverse Mortgage Servicing & Subservicing (FSALAIAC), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Residential mortgage lending
• Mortgage servicing
• Interest only mortgages
• Equity release lending
• Combined mortgage loans

Headquarters

HQ city

Skipton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Interest Income: Landmark Mortgages earns revenue primarily through interest charged on mortgage balances. The company offers various mortgage types including fixed rate, tracker rate, discounted rate, standard variable rate (SVR), and loyalty rate products. Interest is charged monthly and added to outstanding balances for interest-only products.
2. Mortgage Administration Fees: The company charges various administrative fees including discharge of mortgage fee (up to £250) for paying off mortgages early, Direct Debit rejection fees (£6.50), arrears management fees (£40 per month for accounts 2+ months in arrears), and change of borrower application fees (£180).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Landmark Mortgages is a UK-based mortgage lender and servicer offering residential mortgage products including fixed rate, tracker rate, standard variable rate (SVR), discounted rate, interest-only, and lifetime (equity release) mortgages, plus a combined mortgage-and-unsecured-loan product called Together Loans. The company serves existing mortgage customers through a phone contact center, a secure self-serve online portal, interactive messaging services, and dedicated support teams for financial difficulty and interest-only planning.

Product overview

Landmark Mortgages is a UK mortgage lender offering a comprehensive portfolio of mortgage products and digital services. The core offerings include various mortgage types (Fixed Rate, Tracker, Standard Variable Rate, Discounted, Interest Only, and Lifetime mortgages), with the Together Loans product combining mortgage and unsecured loan. Digital services are delivered through a self-serve online facility supplemented by AI-powered tools including a Virtual Assistant chatbot and two-way secure messaging. The company also provides flexible features (overpayment borrowing, payment holidays) and support services including income/expenditure assessment tools and cost of living assistance programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgages Residential mortgage where the interest rate remains fixed for an agreed term and then typically reverts to a variable rate. Customers receive written notification of new rates and payments at least 14 days before any change applies. Aimed at UK residential borrowers seeking payment certainty.
• Tracker Rate Mortgages Residential mortgage whose interest rate tracks at a fixed margin above or below another rate (typically the Bank of England base rate) for a specified term, moving up and down with base-rate changes. Aimed at UK residential borrowers willing to accept rate fluctuations.
• Standard Variable Rate (SVR) Mortgages Residential mortgage whose interest rate is set by Landmark Mortgages in accordance with loan Terms & Conditions and is not linked to the Bank of England base rate. Current SVR is 7.89% as of January 2026. Aimed at UK residential borrowers on the company's variable default rate.
• Discounted Rate Mortgages Residential mortgage that offers a set discount off either the Product Variable Rate (PVR) or Standard Variable Rate (SVR) for a specific initial term, with a minimum interest rate of 0.001%. Aimed at UK residential borrowers seeking an initial discount on the underlying variable rate.
• Interest Only Mortgages Residential mortgage where monthly payments cover only the interest and the principal balance is repaid at the end of the term, requiring an approved repayment plan. A dedicated team (0330 159 7153) assists customers with repayment planning. Aimed at UK borrowers with a separate investment or repayment vehicle.
• Lifetime Mortgages Equity release product allowing customers to borrow against the value of their home without making monthly repayments. Interest rolls up into the balance and repayment becomes due when the borrower moves to long-term care or passes away. Includes a No Negative Equity Guarantee. Aimed at older UK homeowners seeking to release equity from their property.
• Together Loans Combined mortgage and linked unsecured loan product where customers make one consolidated monthly payment covering both balances, with flexibility for overpayments. Aimed at UK borrowers who want to manage a mortgage and unsecured borrowing through a single Landmark facility.

Quantifiable outcome

• No Early Repayment Charges on mortgages
• +2 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

Integration3 records

AI capability2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• IncomeMaxcoreGTM or Marketing Partner · 7 July 2023Partnership provides cost of living self-help checklist to Landmark customers, helping them identify ways to increase income and obtain additional support during the cost of living crisis. The checklist is promoted on Landmark's website and support pages.
• StepChange Debt CharitycoreStrategic or Co-development PartnerReferral partnership for debt advice services. Landmark recommends StepChange to customers struggling with debts, providing free, impartial advice on managing finances.
• Citizens AdvicecoreStrategic or Co-development PartnerReferral partnership providing free, impartial advice service for customers in England and Wales and Scotland.
• Money HelpercoreStrategic or Co-development PartnerGovernment-backed money guidance service recommended for customers to develop money management skills and calculate monthly budgets.
• National DebtlineminorStrategic or Co-development PartnerTelephone debt advice service partnered to help customers find solutions tailored to their situation.
• PayPlanminorStrategic or Co-development PartnerFree debt advice service available through phone, WhatsApp, live chat and 24/7 online.
• Money Advice ScotlandminorStrategic or Co-development PartnerProvides details of advice agencies throughout Scotland with free, independent, impartial and confidential advice service.
• PaylinkcoreTechnology or IntegrationTechnology partnership for online income and expenditure form, enabling customers to complete financial assessments digitally through a secure step-by-step budget planning process.
• ShelterminorStrategic or Co-development PartnerHousing charity partnership providing advice, support and legal services for customers at risk of losing their home.
• MindminorStrategic or Co-development PartnerMental health charity partnership providing support resources for customers dealing with financial stress.
• SamaritansminorStrategic or Co-development PartnerMental health support partnership available 24/7 for customers struggling and needing someone to talk to.
• Housing Loss Prevention Advice Service (HLPAS)coreStrategic or Co-development PartnerGovernment service providing free legal advice and representation for customers at risk of losing their home. Landmark refers customers to this service when possession action is being considered.

Recent moves6 records

Expansion highlights3 records

Regional players

• Skipton Building Society: UK mutual building society and mortgage lender headquartered in Skipton, same hometown as Landmark. Operates a comparable residential mortgage portfolio with savings-funded lending, making it a natural regional comparable even if Landmark's structure differs.

Direct peers

• Together Money: UK specialist lender offering combined mortgage and personal loan products—the same 'Together' loan format as Landmark. Direct competitor in the niche of bundled mortgage + unsecured credit for customers who may not fit prime lending criteria.
• Kensington Mortgages: UK specialist residential mortgage lender focused on customers with non-standard income or credit profiles. Comparable as a non-prime/non-depository mortgage originator and servicer with similar customer support and digital service orientation.
• Precise Mortgages: UK specialist residential and buy-to-let mortgage lender, now part of the Charter Court group. Comparable as a non-depository mortgage provider with similar product breadth across fixed, tracker, and interest-only structures.
• Foundation Home Loans: UK specialist mortgage lender serving intermediary channels with a focus on residential and buy-to-let products. Comparable as a mid-sized non-depository lender with similar regulatory framework and customer support model.

Broad incumbents

• Yorkshire Building Society: UK mutual building society with a large residential mortgage book and significant servicing operations. Comparable as a UK mortgage servicer with established portfolio, though materially larger scale than Landmark.
• Coventry Building Society: Top-10 UK building society with residential mortgage lending and servicing. Comparable as a UK-domiciled mortgage lender operating under similar FCA framework, though with broader product range and larger scale.
• Virgin Money: UK challenger bank with a significant residential mortgage book and active servicing function. Comparable as an FCA-regulated UK mortgage provider, though much larger and with broader retail banking products.
• OneSavings Bank (Kent Reliance): UK specialist lender (OSB Group) offering residential and buy-to-let mortgages through Kent Reliance and other brands. Comparable as a UK specialist mortgage lender with similar regulatory and customer support considerations.
• TMW (The Mortgage Works): UK buy-to-let and residential mortgage lender, part of Nationwide Building Society. Comparable as a UK mortgage provider with similar fixed/tracker/SVR product structure and FCA regulation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/landmark-mortgages-limited

Compliance3 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 Landmark Mortgages