Capital Private Finance
Capital Private Finance is a UK mortgage and protection brokerage (FCA-regulated, part of Countrywide/Connells Group) advising individual borrowers across residential, investment, specialist, and equity release mortgages, plus a nine-provider insurance panel, distributed mainly through estate agent referrals.
- Company typePrivate
- Founded-
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Capital Private Finance does
Capital Private Finance is a UK-based mortgage and protection brokerage operating as a trading name of Dynamo Mortgages Limited, an FCA-regulated entity (Financial Services Register number 472199) within the Countrywide/Connells Group. The firm advises individual borrowers across four mortgage categories — residential, investment/buy-to-let, specialist (bridging and commercial), and equity release — and distributes life, critical illness, income protection, buildings and contents, landlord, and business protection insurance through a panel of nine providers. Additional services — foreign exchange via Key Currency, surveying, conveyancing, and international property finance in over 30 countries through The MHI Group — are delivered via partner referrals, generating supplementary commission.
The business is a pure advisory broker with no proprietary technology platform beyond a basic online mortgage calculator. Distribution is anchored by referral relationships with at least seven premium UK estate agents (including Hamptons, John D Wood, and Urban Spaces), supplemented by direct enquiries through the website contact form. A team of approximately 25 advisers and senior managers, including Financial Services Director James Keable and Senior Mortgage and Protection Director Benjamin Cowles, manages the full mortgage process from initial advice through completion with dedicated case administration support.
Revenue is generated entirely on a commission basis: lender commission on placed mortgages, insurance provider commission on placed policies, and referral fees from ancillary partners (notably half of Key Currency's FX fee per referred customer). No fees are publicly disclosed; pricing is provided during an initial no-obligation appointment. The firm targets high-net-worth individuals and complex mortgage situations requiring access to private banks and specialist lenders that are not available to customers direct from lenders.
Capital Private Finance firmographics
Firmographics- Name
- Capital Private Finance
- Legal name
- Dynamo Mortgages Limited
- Website
- https://capitalprivatefinance.co.uk
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Capital Private Finance is a UK mortgage and protection brokerage (FCA-regulated, part of Countrywide/Connells Group) advising individual borrowers across residential, investment, specialist, and equity release mortgages, plus a nine-provider insurance panel, distributed mainly through estate agent referrals.
- Ownership category
- akta.pro rank
Capital Private Finance industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Affluent / Mass-Affluent Private Banking (FSABADAC)
- akta.pro secondary industries
- Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)
Keywords
Where Capital Private Finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Capital Private Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Advisory Commission: The company earns commission from mortgage lenders and providers when customers secure financing through their advice and recommendations.
- Insurance Advisory Commission: The company assesses customer needs against a panel of insurance providers and earns commission on placed policies. Insurance partners include Liverpool Victoria, Aviva, Legal & General, Royal London, Vitality, Guardian, Zurich, The Exeter, and MetLife.
- Referral Fees - Foreign Exchange: Capital Private Finance receives referral fees from Key Currency (a currency exchange specialist) when customers are referred for foreign exchange services. The company receives half of Key Currency's fee.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Fees discussed in initial no-obligation appointment |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Capital Private Finance product offering
Product offeringCore offering
Capital Private Finance is a UK mortgage and protection brokerage that advises individual clients on residential, buy-to-let, specialist, and equity release mortgages, alongside life, critical illness, income protection, home, landlord, and business insurance. The firm accesses thousands of mortgage schemes (including broker-exclusive options and private bank relationships for high-value transactions) and is paid via lender and insurer commissions.
Product overview
Capital Private Finance is a UK financial services brand offering a comprehensive suite of mortgage and protection products. The core offering consists of mortgage services (Residential Mortgages, Investment Mortgages/BTL, Specialist Mortgages including bridging and commercial finance, and Equity Release Mortgages) supported by an online Mortgage Calculator. The company also provides insurance products including Life Insurance, Critical Illness Cover, Income Protection, Buildings and Contents Insurance, Landlords Insurance, and Business Protection. Additional services include Foreign Exchange (via Key Currency referral), Surveying, Conveyancing, and International Mortgages (via The MHI Group partnership). The company operates as a broker accessing thousands of mortgage schemes from high street and specialist lenders, including exclusive options not available direct from lenders.
Differentiator
Problem solved
Functional benefit
Products and services
- Residential Mortgages
- Investment Mortgages
- Specialist Mortgages
- Equity Release Mortgages
- Life Insurance
- Critical Illness Cover
- Income Protection Cover
- Buildings and Contents Insurance
- Landlords Insurance
- Business Protection
- International Mortgages
- Foreign Exchange Services
- Surveying Services
- Conveyancing Services
Companies that use Capital Private Finance
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles5 records
Capital Private Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Capital Private Finance partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- The MHI GroupcoreCapital Private Finance works in partnership with The MHI Group to deliver tailored financing solutions for customers looking to buy property abroad. The MHI Group arranges property finance in over 30 countries including Spain, France, Portugal, Italy, Cyprus, the UAE, the USA, and the Caribbean.
- Key CurrencycoreKey Currency is an award winning currency exchange specialist providing preferential exchange rates to Capital Private Finance customers. Capital Private Finance receives a referral fee of half of Key Currency's fee for each referred customer.
- UinsurecoreCapital Private Finance has partnered with Uinsure to provide award winning 5 star Defaqto rated home insurance cover. Uinsure is described as providing quality cover that the company can recommend with confidence.
- Liverpool VictoriaminorInsurance provider on Capital Private Finance's panel of insurance providers.
- AvivaminorInsurance provider on Capital Private Finance's panel of insurance providers.
- Legal & GeneralminorInsurance provider on Capital Private Finance's panel of insurance providers.
- Royal LondonminorInsurance provider on Capital Private Finance's panel of insurance providers.
- VitalityminorInsurance provider on Capital Private Finance's panel of insurance providers.
- GuardianminorInsurance provider on Capital Private Finance's panel of insurance providers.
- ZurichminorInsurance provider on Capital Private Finance's panel of insurance providers.
- The ExeterminorInsurance provider on Capital Private Finance's panel of insurance providers.
- MetLifeminorInsurance provider on Capital Private Finance's panel of insurance providers.
- Conveyancing PartnersminorSkilled property lawyers providing conveyancing services to Capital Private Finance customers when buying or selling property. Provided via one of the company's partners.
- Surveying PartnersminorProperty surveyors providing valuations and detailed surveys (including for listed or complex properties) to Capital Private Finance customers. Provided via one of the company's partners.
- Bridging Finance LendersminorExternal lenders (banks and specialist finance providers) providing short-term bridging finance to bridge the gap between two financial transactions. Provided via one of the company's partners.
- Commercial Finance ProvidersminorExternal lenders providing short-term and long-term commercial funding solutions to help businesses manage cash flow, invest in growth, or cover operational costs. Provided via one of the company's partners.
- HamptonscorePremier UK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
- John D WoodcoreUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
- Urban SpacescoreUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
- APW PropertyminorUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
- ChkmountfordminorUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
- AspireminorUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
- Finders KeepersminorUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Capital Private Finance competitors and assessment
Company assessmentDirect peers
- John Charcol: Specialist London-based mortgage broker focused on complex, high-value and HNW mortgage cases, often working with private banks and specialist lenders. Closely comparable HNW/complex mortgage niche and private-bank lender relationships.
- London & Country Mortgages: The UK's largest fee-free mortgage broker, arranging residential, BTL and remortgage products from a whole-of-market lender panel. Most directly comparable UK mortgage brokerage by business model (commission-based, whole-of-market, adviser-led).
- KIS Finance: UK whole-of-market mortgage broker arranging residential, BTL, commercial and bridging finance, plus protection and insurance products. Comparable full-service mortgage and protection advisory offering.
- Responsible Life: Specialist UK equity release / later-life lending broker arranging lifetime mortgages and retirement lending solutions. Direct peer for the Equity Release Mortgages product line.
- Alexander Hall: London-based mortgage broker with a sizeable adviser team, arranging residential, BTL and specialist finance from a whole-of-market lender panel. Comparable scale, advisory-led distribution and product breadth.
- Knight Frank Finance: In-house mortgage advisory arm of premium estate agency Knight Frank, serving HNW and prime property buyers with access to private bank and specialist lender relationships. Closely comparable premium estate-agent-channel integration and HNW focus.
- SPF Private Clients: Specialist mortgage broker serving HNW, expat, self-employed and complex income clients, with private bank and offshore lender access. Directly comparable target customer and product mix to Capital Private Finance.
Emerging players
- Habito: Digital-first UK mortgage broker offering online comparison, advice and execution. Competes for the same residential and remortgage customers via a technology-led model rather than human advisory.
- BetterBorrow: UK mortgage broker operating an adviser-led model with strong digital lead generation, competing for residential and specialist mortgage customers. Comparable product mix with a more tech-enabled acquisition approach.
Broad incumbents
- Connells Group: Parent conglomerate of Countrywide Limited and therefore of Capital Private Finance. Operates estate agency, mortgage services and other property businesses at scale; relevant for understanding parent-level dynamics and captive customer flows rather than as a direct competitor.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Capital Private Finance compliance and trust
Trust signalCompliance1 record
Capital Private Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Private Finance leadership team
Management profileNumber of profiles
Profiles5 records
Capital Private Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Private Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Private Finance
What does Capital Private Finance do?
Capital Private Finance is a UK mortgage and protection brokerage that advises individual clients on residential, buy-to-let, specialist, and equity release mortgages, alongside life, critical illness, income protection, home, landlord, and business insurance. The firm accesses thousands of mortgage schemes (including broker-exclusive options and private bank relationships for high-value transactions) and is paid via lender and insurer commissions.
Is Capital Private Finance a public or private company?
Capital Private Finance is a private company. It is classified as corporate owned and is currently operating.
When was Capital Private Finance founded?
Capital Private Finance was founded in -1. It employs 11 to 50 people.
Where is Capital Private Finance based?
Capital Private Finance is headquartered in London, United Kingdom, in the Europe region.
How does Capital Private Finance make money?
Three revenue lines are on record. Mortgage Advisory Commission is the primary driver. The others are insurance Advisory Commission and referral Fees - Foreign Exchange.
Who are Capital Private Finance's main competitors?
Direct peers on record are John Charcol, London & Country Mortgages, KIS Finance, Responsible Life, Alexander Hall, Knight Frank Finance and SPF Private Clients. Emerging players are Habito and BetterBorrow. Connells Group is listed as a broad incumbent.
Does Capital Private Finance have an API?
No public API is recorded for Capital Private Finance.
What industry is Capital Private Finance in?
Capital Private Finance's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSABADAC, Affluent / Mass-Affluent Private Banking, with a secondary code of FSABADAE, Private Banking Lending (Securities-Backed, Real Estate, Structured Credit). Its NAICS code is 522310 and its SIC code is 6163.