Grange Mortgage & Protection Services

What Grange Mortgage & Protection Services does

Grange Mortgage & Protection Services Ltd is a UK mortgage and insurance brokerage established in 2005 and headquartered in Northampton. Operating as an Appointed Representative of PRIMIS Mortgage Network (a trading name of Advance Mortgage Funding Limited, FCA-authorised), the firm provides whole-of-market, impartial mortgage and protection advice to consumers across the UK via telephone, video and in-person consultations available seven days a week. Its product set spans residential and remortgage advice, buy-to-let mortgages, specialist new build mortgages, and a protection suite covering life insurance, income protection, critical illness cover and private health insurance, with supporting digital tooling that includes an online mortgage rate calculator and a mobile-optimised quote, credit check and appointment booking service.

The business is differentiated by an embedded new build proposition: it serves as the preferred mortgage broker for multiple national new build housing developers, operates a dedicated mortgage exchange and completion team handling off-plan, shared ownership and part-exchange cases, and is an approved New Homes Mortgage Adviser (NHMA) under the Own New Rate Reducer Scheme launched in February 2024 with Halifax and Virgin Money. Monetisation comes from three streams — client-paid advice fees (£150 minimum, up to 0.5% of the loan), lender commissions on completed mortgage transactions, and commission from insurance providers on arranged protection products — supplemented by a £100 Amazon voucher Refer-a-Friend scheme, content marketing across a regularly updated news/blog section, and developer-led referral flow through sales advisor introductions.

Technically, the firm does not disclose a proprietary platform or any AI/ML capability; its digital surface is a WordPress-based marketing site, the calculator and quote/booking tools, and standard broker-side applications accessed via the PRIMIS network. Distribution is hybrid: direct-to-consumer broker relationships plus B2B referral partnerships with national housebuilders, with no public evidence of external venture or private equity capital and no disclosed revenue figures.

Name

Grange Mortgage & Protection Services

Legal name

Grange Mortgage and Protection Services Ltd

Website

https://grangemortgages.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

UK mortgage and insurance brokerage (Northampton, est. 2005) operating under PRIMIS Mortgage Network, providing whole-of-market mortgage, remortgage, buy-to-let and new build advice plus protection products to consumers across the UK.

Ownership category

akta.pro rank

Headquarters

HQ city

Northampton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Fees: Grange Mortgage charges a fee for mortgage advice. £150 of this fee is payable on application, with the total fee ranging from £150 to a maximum of 0.5% of the loan amount. For example, on a £100,000 mortgage the maximum fee would be £500.
2. Lender Commission: In addition to client-paid fees, Grange Mortgage receives commission payments from mortgage lenders on completed mortgage transactions.
3. Insurance Commission: The company earns commission from insurance providers on protection products arranged, including life insurance, income protection, and critical illness cover.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Grange Mortgage & Protection Services is a whole-of-market mortgage and insurance brokerage operating as an Appointed Representative of PRIMIS Mortgage Network. It sources residential, remortgage, buy-to-let, and new build mortgage deals from multiple lenders and arranges protection products including life insurance, income protection, critical illness cover, and private health insurance for UK consumers.

Product overview

Grange Mortgage & Protection Services is a mortgage and insurance brokerage operating as an Appointed Representative of PRIMIS Mortgage Network. The company offers whole-of-market mortgage brokering services (including residential, re-mortgage, new build, and buy-to-let mortgages) alongside a comprehensive range of protection products (life insurance, income protection, critical illness cover, and private health insurance). Additional services include specialist new homes mortgage support for developers, the Own New Rate Reducer Scheme for new build purchases, a mortgage rate calculator tool, video and telephone appointment options, and a refer-a-friend incentive programme. The company serves clients across the UK from its Northampton base, providing impartial advice across thousands of mortgage and insurance products.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Brokering Services Whole-of-market mortgage brokerage providing impartial advice and sourcing of residential mortgages, re-mortgages, buy-to-let mortgages, and new build mortgages from across the UK lender panel, tailored to individual client circumstances.
• New Build Mortgages Specialist mortgage brokerage service for new build properties, supporting options including buying off plan, shared ownership, and part exchange, with preferred broker relationships with national new build developers.
• Buy-to-Let Mortgages Mortgage sourcing and advice for property investors purchasing or refinancing rental properties, accessed through the whole-of-market brokerage panel.
• Mortgage Rate Calculator Online self-service tool that enables prospective clients to estimate possible repayment rates from specific lenders based on loan amount and criteria.
• Own New Rate Reducer Scheme Scheme enabling clients to access reduced mortgage rates on new build properties, where housebuilder incentives of 3% or 5% are channelled through Own New to lower the mortgage product rate for the customer.
• Life Insurance Protection product arranging a lump sum paid to beneficiaries upon the policyholder's death, designed to pay off mortgages, debts, or provide financial support for loved ones.
• Income Protection Insurance policy arranged through the brokerage that pays out a regular income if the policyholder is unable to work due to illness or injury, continuing until they can return to work or until the policy term ends.
• Critical Illness Cover Protection product providing a tax-free lump sum upon diagnosis of a serious illness listed in the policy, intended to cover medical expenses, mortgage payments, or other financial obligations.
• Private Health Insurance Insurance providing access to private healthcare facilities and treatments with shorter waiting times and more choice of hospitals and doctors compared to the NHS.
• Developer / New Homes Mortgage Services Specialist mortgage brokering service for new home builders, providing realistic SLAs, exclusive mortgage products, and a dedicated mortgage exchange and completion team available seven days a week to support buyer completions.

Quantifiable outcome

• Secured a mortgage in 48 hours where a previous broker had failed for 3 months (per customer testimonial)
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Own New Rate Reducer SchemecoreStrategic or Co-development Partner · 26 February 2024Own New Rate Reducer Scheme is a joint initiative between housebuilders and lenders, facilitated by Own New as a third-party mechanism. The scheme launched on 26th February 2024 with Halifax and Virgin Money. Housebuilders provide a 3% or 5% incentive which is channelled through Own New to reduce mortgage rates for customers. Grange Mortgages is an approved New Homes Mortgage Adviser (NHMA) for this scheme, enabling clients to access reduced mortgage rates on new build properties.
• PRIMIS Mortgage Network (Advance Mortgage Funding Limited)coreStrategic or Co-development PartnerGrange Mortgage & Protection Services Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). PRIMIS provides regulatory oversight, quality supervision, training, and access to the wider mortgage network. The network handles complaints, compliance, and regulatory obligations on behalf of Grange.
• National New Build DeveloperscoreChannel Partner/ Reseller/ DistributorGrange Mortgage is the preferred mortgage broker for many national new build housing developers. They work with developers to provide mortgage services for buyers, including Buying off Plan, Shared Ownership, and Part Exchange options. The partnership includes realistic SLAs, exclusive mortgage products, and a dedicated mortgage exchange and completion team available 7 days a week.
• MyLastWillminorOthersAs part of post-completion service, Grange provides the client's email address and mobile telephone number to MyLastWill, enabling them to send free Will-writing links to the client. This is a value-added service provided after mortgage completion.
• OneFourSix MarketingminorOthersPost mortgage completion, Grange shares the client's email address (no other personal data) with OneFourSix Marketing to keep clients informed of market changes and relevant products/services. OneFourSix is also the web design agency for the company.
• Insurance Product ProviderscoreChannel Partner/ Reseller/ DistributorGrange Mortgage works with a range of insurance providers to offer protection products including life insurance, income protection, critical illness cover, and private health insurance. They partner with leading providers in the industry to provide a comprehensive range of protection products tailored to client circumstances.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• L&C Mortgages (London & Country): One of the UK's largest fee-free mortgage brokers, offering whole-of-market advice across residential, remortgage, and buy-to-let products. Directly comparable as a whole-of-market UK mortgage brokerage competing for the same consumer demand.
• Habito: Digital-first UK mortgage broker offering whole-of-market residential and remortgage advice online. Directly comparable as a UK mortgage broker targeting the same first-time-buyer and remortgage segments, with a stronger technology-led value proposition.
• Better.co.uk: Online UK mortgage broker providing whole-of-market advice and comparison across lenders. Comparable in serving UK consumers seeking residential and remortgage advice, with overlap in client-paid fee structures and digital lead capture.
• Trussle: Online UK mortgage broker focused on remortgages and switching deals for existing homeowners. Comparable as a UK mortgage broker competing for the same remortgage-driven consumer demand.
• Mojo Mortgages: Digital UK mortgage broker offering whole-of-market mortgage and protection advice. Comparable as a multi-product UK broker serving both mortgage and insurance/protection needs — overlapping directly with Grange's dual offering.
• John Charcol: Long-established specialist UK mortgage broker with a strong new-build and complex-case focus. Comparable as a specialist mortgage broker with similar niche positioning in new-build and complex borrower segments.
• PrivateFinance: UK whole-of-market mortgage broker offering residential, buy-to-let, and new-build advice. Comparable in offering impartial advice across thousands of products to UK consumers with similar customer segments.
• SPF Private Clients: UK specialist mortgage broker focused on high-value, new-build, and complex mortgage cases. Comparable as a specialist broker with adjacent new-build expertise and whole-of-market access for more sophisticated transactions.

Broad incumbents

• Connells Group / Countrywide: Large UK estate agency and mortgage services group with a substantial in-house mortgage broking arm. Comparable as a broad incumbent offering mortgage advice as part of a wider property services portfolio, including new-build activity.
• Nationwide Building Society: Major UK mortgage lender and the country's largest building society. Comparable as a broad incumbent offering mortgage products directly and via intermediaries, setting the rate and product landscape in which brokers like Grange operate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/grangemortgage
• Facebookfacebook.com/GrangeMortgages

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 Grange Mortgage & Protection Services