Hoskin Financial Solutions

What Hoskin Financial Solutions does

Hoskin Financial Solutions (legal entity: Hoskin Financial Planning Ltd) is a privately held, FCA-authorised (firm reference number 613005) independent financial advisory firm founded in 2012 by Paul Hoskin and headquartered in Maldon, Essex. The firm operates from a single office (Hillcrest House, 4 Market Hill, CM9 4PZ) and serves both personal and corporate clients across the United Kingdom through face-to-face consultations, telephone advisory, and digital channels.

Its product suite is diversified across nine service lines: mortgages (first-time buyer, home mover, remortgage, buy-to-let, commercial, Help to Buy, Shared Ownership, Self Build, Let to Buy), secured loans and bridging finance, commercial insurance (motor trade, contractors, professional indemnity, fleet, cyber, business interruption), life and critical illness cover, equity release, home insurance, will writing, and wealth management. Mortgage and secured lending are delivered under the Hoskin Mortgages and Hoskin Homeloans sub-brands; commercial insurance under Hoskin Commercial Solutions; estate planning under Hoskin Estate Planning; and later life products under Hoskin Later Life Planning. Wealth management is operated through a referral arrangement with Frederick Charles Wealth Management Ltd, a representative of St. James's Place.

The business model is a traditional advisory intermediation model: the firm does not build proprietary technology but rather relies on standard financial-services software and secure systems to process applications, while generating revenue through commissions and advisory fees earned from product providers (lenders, insurers, wealth management partners). It accesses the full UK market via lender and insurer panels — including Lloyd's markets for higher-risk commercial lines — and distributes primarily through direct advisory relationships supplemented by social media (Twitter, Facebook, TikTok), an SEO-oriented website, and content marketing. Customer segments are fragmented across individual home buyers, property investors, HNW individuals, life and equity release clients, and commercial/insurance clients (motor trade, contractors, property developers).

Name

Hoskin Financial Solutions

Legal name

Hoskin Financial Planning Ltd

Website

https://hoskinsolutions.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Hoskin Financial Solutions is an FCA-regulated, UK-based independent financial advisory firm (founded 2012, Maldon, Essex) offering mortgages, secured lending, commercial and life insurance, equity release, bridging finance, and wealth management to individuals and SMEs across Britain.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52), Portfolio Management and Investment Advice (52394)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Independent financial advice
• Mortgage advisory services
• Equity release advisory
• Commercial insurance brokerage
• Wealth management solutions

Headquarters

HQ city

Maldon

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: The firm generates revenue through advisory fees and commissions from product providers including mortgage lenders, insurance providers, and wealth management partners. Services are provided under FCA regulation with impartial advice across the market.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Hoskin Financial Solutions is a UK-based independent financial advisory firm (Hoskin Financial Planning Ltd) providing whole-of-market advice on mortgages, secured loans, bridging finance, equity release, commercial insurance, life insurance, home insurance, will writing, and wealth management. The firm operates under FCA regulation (number 613005) and serves both individual consumers and commercial clients through qualified advisers based in Maldon, Essex.

Product overview

Hoskin Financial Solutions (Hoskin Financial Planning Ltd) is a financial services firm regulated by the FCA, offering a comprehensive suite of financial products and advisory services. The core offering consists of mortgage brokering services (covering first-time buyers, home movers, remortgaging, buy-to-let, commercial mortgages, Help to Buy, Shared Ownership, Self Build, and Let to Buy), secured lending, commercial insurance (including motor trade, cyber liability, fleet, and business insurance), life and critical illness insurance, equity release, bridging finance, home insurance, and wealth management. The company operates through subsidiary brands including Hoskin Mortgages, Hoskin Homeloans, and Hoskin Commercial Solutions, with wealth management services introduced to St. James's Place Wealth Management. The business provides impartial, tailored advice based on comprehensive market analysis for both personal and corporate clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages Whole-of-market residential and buy-to-let mortgage advice for first-time buyers, home movers, remortgagers, and property investors. Includes specialist support for self-employed, expat, and complex income cases. Delivered by qualified mortgage advisers.
• Secured Loans Advisory service for secured loans where borrowing is secured against property or other assets. Suited to clients who do not fit standard unsecured lending criteria or require larger loan amounts.
• Bridging Finance Short-term bridging finance advisory for property developers, investors, and clients needing fast property-secured funding, typically for property purchase, auction completion, or chain-break scenarios.
• Equity Release Specialist equity release advice (lifetime mortgages and home reversion plans) for UK homeowners aged 55 and over. Designed to release property wealth for retirement income, existing mortgage repayment, home improvements, or inheritance planning.
• Commercial Insurance Specialist commercial insurance brokerage for business clients including motor trade businesses, contractors, property investors, and developers. Provides cover types not typically offered through standard high-street channels.
• Life Insurance Whole-of-market life insurance and protection advice for individuals and families, covering term life, whole of life, and critical illness cover. Aimed at providing financial protection for dependents.
• Home Insurance Buildings and contents insurance advisory for homeowners, with whole-of-market product comparison. Designed to protect residential property and contents against standard perils.
• Wealth Management Investment and savings advisory service covering pensions, investments, and savings products. Whole-of-market access to provide clients with tailored wealth management strategies for accumulation, retirement, and estate planning.
• Will Writing Will writing and estate planning service for individual clients to formalise inheritance arrangements and ensure assets pass according to their wishes.

Quantifiable outcome

• Fast mortgage decisions within 24-48 hours for bridging loans
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Frederick Charles Wealth Management LtdcoreChannel Partner/ Reseller/ DistributorHoskin Financial Planning introduces clients to Frederick Charles Wealth Management Ltd, a representative of St. James's Place Wealth Management plc, which are authorised and regulated by the Financial Conduct Authority. This partnership provides comprehensive wealth management services to clients including investment management, retirement planning, and estate planning.
• UK's Leading Insurers (including Lloyd's Markets)coreChannel Partner/ Reseller/ DistributorHoskin Commercial Solutions has access to the UK's leading insurers including Lloyd's markets for higher risk businesses. This provides comprehensive commercial insurance solutions including motor trade, contractors, professional indemnity, management liability, cyber liability, fleet insurance, and business insurance policies.
• Panel of Lending PartnerscoreChannel Partner/ Reseller/ DistributorHoskin Homeloans has a panel of lending partners providing secured loans, bridging finance, and mortgage products. The panel arrangement enables the firm to place the majority of applications submitted, offering flexible and responsive service with access to the best products on the market.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Succession Wealth: UK IFA consolidator providing holistic financial advice covering mortgages, protection, retirement, investments, and estate planning. Highly comparable integrated advice model aimed at mass-affluent and HNW clients across the UK.
• Howden Group: Independent global insurance broker with a UK commercial and high-net-worth personal lines practice, including Lloyd's market access. Direct comparable on the commercial insurance broking and Lloyd's-distribution capability that is a stated differentiator for Hoskin.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market mortgage, remortgage, buy-to-let, and secured loan advice. Directly comparable in client segments (first-time buyers, home movers, landlords) and whole-of-market, fee-free adviser model.
• Mortgage Advice Bureau: UK's largest mortgage broker network offering whole-of-market mortgage, protection, and equity release advice via self-employed advisers. Closest comparable on the core mortgage broking and protection product set with similar advisor-led, multi-product distribution model.
• St. James's Place: UK's largest wealth manager serving affluent clients through partner advisers, including the very referral partners (Frederick Charles Wealth Management) that Hoskin introduces clients into. Directly comparable for the wealth management offering and overlapping client segments.

Broad incumbents

• Openwork Partnership: Large UK IFA and mortgage network supporting thousands of advisers across protection, mortgage, retirement, and wealth planning. Overlaps substantially on customer needs served (mortgages, protection, retirement) but operates through a large adviser network rather than a single in-house team.
• Quilter Financial Planning: UK wealth and advice business with a national network of financial advisers offering mortgages, protection, retirement, and investment advice. Comparable across the integrated advice proposition but at substantially greater scale and with a broader investment platform.
• Towergate Insurance: One of the UK's largest commercial insurance brokers with specialty schemes including motor trade, contractors, and fleet. Comparable commercial lines focus and SME segment, though operating at significantly larger scale and product breadth.

Emerging players

• Habito: UK digital-first mortgage broker and lender offering online and hybrid advice for first-time buyers, movers, and remortgaggers. Partial overlap that competes for the same first-time buyer and re-mortgage segments Hoskin targets, especially via digital channels.
• Trussle: UK online mortgage broker offering whole-of-market mortgage and remortgage advice via technology-led journeys. Overlaps with Hoskin's residential mortgage and re-mortgaging services, particularly for self-serve younger clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/hoskinfinancial
• Facebookfacebook.com/hoskinmortgages
• TikToktiktok.com/@hoskin.mortgages?is_from_webapp=1&sender_device=pc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Hoskin Financial Solutions