Capital Private Finance

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.

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

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

• Mortgage brokerage
• Protection advice
• Residential mortgages
• Buy-to-let finance
• Equity release

Headquarters

HQ city

London

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, Infrastructure

Revenue model

1. Mortgage Advisory Commission: The company earns commission from mortgage lenders and providers when customers secure financing through their advice and recommendations.
2. 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.
3. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core 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

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

23 partnerships are on record, tiered core and minor.

• The MHI GroupcoreStrategic or Co-development PartnerCapital 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 CurrencycoreGTM or Marketing PartnerKey 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.
• UinsurecoreChannel Partner/ Reseller/ DistributorCapital 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 VictoriaminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• AvivaminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• Legal & GeneralminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• Royal LondonminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• VitalityminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• GuardianminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• ZurichminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• The ExeterminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• MetLifeminorChannel Partner/ Reseller/ DistributorInsurance provider on Capital Private Finance's panel of insurance providers.
• Conveyancing PartnersminorChannel Partner/ Reseller/ DistributorSkilled property lawyers providing conveyancing services to Capital Private Finance customers when buying or selling property. Provided via one of the company's partners.
• Surveying PartnersminorChannel Partner/ Reseller/ DistributorProperty 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 LendersminorChannel Partner/ Reseller/ DistributorExternal 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 ProvidersminorChannel Partner/ Reseller/ DistributorExternal 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.
• HamptonscoreGTM or Marketing PartnerPremier UK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
• John D WoodcoreGTM or Marketing PartnerUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
• Urban SpacescoreGTM or Marketing PartnerUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
• APW PropertyminorGTM or Marketing PartnerUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
• ChkmountfordminorGTM or Marketing PartnerUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
• AspireminorGTM or Marketing PartnerUK estate agent referral partner directing property buyers and sellers to Capital Private Finance for mortgage advice.
• Finders KeepersminorGTM or Marketing PartnerUK 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

Direct 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

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Capital Private Finance