The Mortgage Broker

What The Mortgage Broker does

The Mortgage Broker is an FCA-regulated, independent UK mortgage brokerage operating as an appointed representative of Mortgage Advice Bureau Limited. Founded in 1994 and headquartered in Wyboston Lakes, Bedfordshire, the firm provides whole-of-market mortgage advisory across residential purchase, remortgage, buy-to-let, specialist lending (bad credit, self-employed, complex income, contractor), later life / equity release, and protection products, accessing 130+ UK lenders and 25,000+ mortgage products. Customer segments span first-time buyers, home movers, remortgagors, buy-to-let and portfolio landlords, self-employed borrowers, key workers, and high-net-worth clients served via the TMB Private Clients sub-brand, supported by regional entities in Derby (registered office), Eaton Socon, and Edinburgh (TMB Scotland). The firm claims 30,000+ approved clients across its operating history, 2,500+ Trustpilot reviews, and a 94% lender approval rate once applications are submitted.

The underlying technology is a digital mortgage application platform with a proprietary soft-search Decision-in-Principle process producing an affordability indication in approximately 15 minutes without credit-score impact. The platform supports a calculator suite (affordability, borrowing, repayment, UK stamp duty), a Home Buying App on iOS and Android for mobile case tracking, and white-label embeddable widgets (live rates, affordability checks, calculators) deployable on estate agent partner websites via a single line of code. Real-time case tracking is exposed to both customers and introducer partners, and the adviser workflow is supported by a client fulfilment team and dedicated broker support function.

The business model is transaction-based: a typical £395 application fee (up to 1% of loan value on complex cases) charged only on a successful mortgage offer, plus standard lender procuration fees that do not increase customer cost. All initial advice is free with no obligation. Distribution is hybrid — direct-to-consumer via phone, secure online portal, video, and WhatsApp, supplemented by an estate agent introducer program, an employer benefits scheme, professional introducers (accountants, solicitors), new build developer partnerships, and a sub-franchise network recruiting self-employed mortgage advisers across UK locations. The firm has no public listing, no disclosed funding, and no disclosed revenue.

Name

The Mortgage Broker

Legal name

The Mortgage Broker (London) Limited

Website

https://themortgagebroker.co.uk

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

The Mortgage Broker is an FCA-regulated, independent UK mortgage brokerage providing whole-of-market advice across 130+ lenders, serving first-time buyers, home movers, buy-to-let investors, self-employed borrowers, and high-net-worth clients through a nationwide adviser team and digital tools.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Reverse Mortgage Brokers (FSALABAD)

Keywords

• Mortgage advisory services
• Buy-to-let lending
• Remortgage brokerage
• Protection insurance
• Specialist lending

Headquarters

HQ city

Saint Neots

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

Revenue model

1. Mortgage Application Fee: Fee charged only upon successful mortgage offer. Disclosed upfront before any application submitted. Typical fee of £395, up to 1% depending on complexity and circumstances.
2. Lender Procuration Fees: Standard commission received from lenders upon successful mortgage completion. Does not increase amount paid by customer.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

The Mortgage Broker (London) Limited is an FCA-regulated, appointed-representative mortgage brokerage providing whole-of-market residential, remortgage, buy-to-let, specialist, self-employed, and later-life mortgage advice to UK consumers, drawing on access to 130+ lenders and 25,000+ mortgage products. It complements mortgage placement with related protection insurance products (life, critical illness, income protection) and supports the distribution of these offerings through an estate agent introducer programme, employer benefits scheme, white-label partner tools, and a sub-franchise network.

Product overview

The Mortgage Broker is an independent, FCA-regulated mortgage broker operating as a single integrated service rather than a modular platform. Its core offering is whole-of-market mortgage advisory spanning residential purchase, remortgage, buy-to-let, and specialist lending segments, delivered through a team of advisers supported by digital tools. The product portfolio includes: Mortgage Advisory Services as the central offering, alongside specialist variants (First Time Buyer Mortgages, Self-Employed & Limited Company Director Mortgages, Bad Credit Mortgages, Later Life & Equity Release); Remortgages and Buy-to-Let & Portfolio Landlords as distinct product lines; and Protection Products as a complementary add-on covering life, critical illness, income, and business protection. Supporting these are digital sub-products — Mortgage in Principle (soft-search DIP in ~15 minutes), Mortgage Calculators (affordability, repayment, stamp duty), The Home Buying App (mobile), and Estate Agent Partnership Tools (embeddable widgets with live tracking and same-day AIP). TMB Private Clients serves high-net-worth and complex cases under a sub-brand. The company accesses 130+ UK lenders and 25,000+ mortgage products, with all advice provided free and no fee charged unless a mortgage offer is secured.

Differentiator

Problem solved

Functional benefit

Brands

• TMB Private Clients: High-value private clients and professional introducers service for complex borrowing cases including high-net-worth individuals and professional partners.
• TMB

Products and services

• Residential / First-Time Buyer Mortgages Independent mortgage advice for UK consumers purchasing or refinancing a primary residence, drawing on whole-of-market lender access. Includes first-time buyer support and standard residential purchase cases.
• Remortgages Advice-led remortgage service for existing UK homeowners seeking a new rate, to raise capital, or to consolidate debt, with whole-of-market product access.
• Buy-to-Let & Portfolio Landlord Mortgages Specialist buy-to-let mortgage advice for individual landlords and portfolio investors, including limited company SPV structuring, with access to specialist BTL lenders across the market.
• Self-Employed & Limited Company Director Mortgages Mortgage advice tailored to self-employed borrowers, contractors, and limited company directors whose income is not straightforward PAYE, using lenders that accept complex income documentation.
• Bad Credit / Specialist Mortgages Specialist mortgage advice for borrowers with impaired or adverse credit histories, routed to lenders willing to consider non-standard credit profiles.
• Later Life / Equity Release Lending Later-life lending and equity release advice for older UK homeowners, led by the firm's Head of Later Life Lending.
• TMB Private Clients (HNW Mortgages) A dedicated service for high-net-worth borrowers requiring larger loan sizes, bespoke structuring, and access to private banks and HNW specialist lenders.
• Mortgage in Principle (Soft Search) A soft-search-only eligibility indication that gives consumers an indicative borrowing amount without a hard footprint on their credit file, used as the entry point to a full mortgage application.
• Protection Insurance Products Life, critical illness, and income protection insurance products arranged alongside mortgage advice to protect the borrower's repayment capacity.
• Estate Agent Introducer Programme A partnership offering for UK estate agencies that provides mortgage referral, white-label tools, and embedded advice to support their buyer and seller pipelines.
• Employer Benefits Scheme A workplace mortgage benefit through which employers offer TMB's mortgage advisory service to their employees as part of an employee benefits package.
• White-Label Partner Digital Tools White-label digital mortgage calculators, soft-search MIP, and case tracking tools that partner firms (e.g. estate agents, introducers, employers) can embed under their own brand.

Quantifiable outcome

• 94% approval rates once application submitted to lender
• +4 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Mortgage Advice Bureau LimitedcoreStrategic or Co-development PartnerFCA-authorized parent company that The Mortgage Broker (London) Limited is an appointed representative of. Provides regulatory oversight and access to lender networks.
• Mortgage Advice Bureau (Derby) LimitedcoreStrategic or Co-development PartnerFCA-authorized parent company that The Mortgage Broker (London) Limited is an appointed representative of alongside Mortgage Advice Bureau Limited.
• 130+ UK Mortgage LenderscoreGTM or Marketing PartnerNetwork of UK mortgage lenders providing mortgage products across high-street and specialist categories. Includes exclusive broker-only rates not available direct to consumers.
• Estate AgentscoreChannel Partner/ Reseller/ DistributorEstate agent partnership program offering mortgage-ready client services, same-day AIPs, live case tracking, and commission on remortgages and landlord products. Partners receive white-label digital tools embeddable on websites.
• New Build DevelopersminorChannel Partner/ Reseller/ DistributorPartnership with new build property developers to provide mortgage services to their buyers.
• Employer Benefits Scheme PartnersminorGTM or Marketing PartnerFree mortgage support service offered to employees of partner organizations as an employee benefit.
• Accountants and SolicitorsminorGTM or Marketing PartnerProfessional introducers referring high-value and complex client cases to The Mortgage Broker for specialist mortgage advice.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SPF Private Clients: UK specialist mortgage broker serving high-net-worth, professional, and complex-income borrowers. Closely comparable to TMB Private Clients and TMB's complex-income, buy-to-let, and HMO product lines.
• John Charcol: Long-established UK mortgage broker focused on complex and specialist cases including self-employed, contractors, and high-value borrowers. Directly comparable to TMB's specialist lending and TMB Private Clients proposition.
• Habito: UK digital-first mortgage broker and adviser offering whole-of-market comparison with online application flows. Direct competitor to TMB in the UK residential mortgage brokerage channel, particularly for first-time buyers and remortgagors.
• London & Country Mortgages (L&C): One of the largest independent UK mortgage brokers, operating a phone- and online-based whole-of-market advisory model. Highly comparable to TMB in product breadth, customer segments served, and fee structure.
• Mojo Mortgages: UK online mortgage broker offering whole-of-market comparison with a digital application experience. Targets similar first-time buyer and remortgage segments as TMB via a primarily digital channel.
• Trussle: UK online mortgage broker offering automated whole-of-market search and remortgage recommendations. Direct competitor in the digital-first UK mortgage intermediary space.

Emerging players

• Tembo Money: UK mortgage broker specialising in shared ownership, inheritance, and later-life lending. Adjacent competitor in TMB's specialist segments (shared ownership, later life) with a digital-first delivery model.
• Better.co.uk: UK online mortgage broker providing whole-of-market comparison and remortgage switching. Overlaps with TMB on residential purchase and remortgage with a primarily self-service digital channel.

Broad incumbents

• Connells Group (Countrywide): Large UK estate agency and financial services group that bundles mortgage brokerage with estate agency transactions. Comparable to TMB's estate agent partnership channel and broader UK property services ecosystem.
• Mortgage Advice Bureau: FCA-authorised parent network of which TMB is an appointed representative. Operates the largest UK mortgage broker network with hundreds of ARs; comparable as the dominant intermediary platform in which TMB operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/tmblgroup
• Facebookfacebook.com/tmblgroup
• LinkedInlinkedin.com/company/the-mortgage-broker-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 The Mortgage Broker