Forest Edge Mortgages

What Forest Edge Mortgages does

Forest Edge Mortgages Ltd is an independent UK financial advisory firm operating as an appointed representative of In Partnership (The On-Line Partnership Limited, FRN 192638), which is authorised and regulated by the Financial Conduct Authority. The firm is registered in England and Wales (No. 04966709) and is headquartered at 17 Salisbury Road, Totton, Southampton, SO40 3HX. It serves individual UK consumers across the Southampton/Totton catchment and beyond via remote contact, offering whole-of-market mortgage advice across first-time buyer, remortgage, buy-to-let and adverse credit sub-segments, alongside protection products (life assurance, critical illness cover, income protection, ASU), general insurance (buildings, contents, landlord), portfolio advisory services and will writing.

The firm operates a relatively simple technology stack: an Umbraco CMS-hosted marketing website integrated with IRESS mortgage sourcing software, which underpins product comparison, affordability calculations and lender panel access. There is no proprietary technology development, no mobile application, no public API or SDK, and no AI/ML capability disclosed. Customer engagement runs through phone (02380 872000 / 07798 733658), email ([email protected]) and website enquiry forms, with face-to-face appointments arranged at client-preferred times and locations on a no-obligation basis.

Forest Edge Mortgages generates revenue primarily on a commission basis from lender payouts on completed mortgage cases, supplemented by commission on protection and insurance product placements and unit fees for will writing (from £95 per single will). The go-to-market is sales-led and locally focused, relying on organic search, word-of-mouth referrals and direct enquiries rather than paid marketing. The firm does not disclose revenue, headcount or transaction volume, and operates with no visible funding, M&A or hiring signals.

Name

Forest Edge Mortgages

Legal name

Forest Edge Mortgages Ltd

Website

https://forestedgemortgages.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Forest Edge Mortgages is an independent FCA-regulated UK mortgage, protection, insurance and will writing advisory firm based in Southampton, serving individual consumers across first-time buyer, remortgage, buy-to-let and adverse credit segments on a whole-of-market basis.

Ownership category

akta.pro rank

Product category

Mortgage Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage advisory
• Protection insurance
• Insurance broking
• Financial advisory
• Will writing services

Headquarters

HQ city

Totton

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 and Arrangement: Commission-based revenue from arranging mortgage products for first-time buyers, remortgage customers, buy-to-let investors, and adverse credit borrowers. Revenue earned from lender commission on successful mortgage completions.
2. Protection Products: Commission revenue from Life Assurance, Critical Illness Cover, Income Protection, and ASU insurance products arranged for clients.
3. Insurance Broking: Commission-based income from searching and arranging Buildings Insurance, Contents Insurance, and Landlord's Insurance from their extensive list of insurers.
4. Will Writing Services: Fee-based service for will writing and Lasting Power of Attorney. Fees start from £95 for a single will. Lifetime will storage facility available for a one-off fee.
5. Advisory Services: Financial advisory service for portfolio construction and ongoing maintenance, providing advice on strategy and assets for clients at all experience levels.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Forest Edge Mortgages is an independent whole-of-market mortgage and protection advisory firm serving UK consumers. It arranges first-time buyer, remortgage, buy-to-let, and adverse credit mortgage products, alongside life assurance, critical illness, income protection, and ASU cover, and searches the market for buildings, contents, and landlord's insurance. Additional services include ongoing portfolio financial advisory and will writing with lifetime storage.

Product overview

Forest Edge Mortgages Ltd is an independent mortgage and protection adviser operating as an appointed representative of In Partnership (FRN 192638), authorised and regulated by the Financial Conduct Authority. The company offers three interconnected service pillars: Mortgages (covering first-time buyer, remortgage, buy-to-let, and adverse credit sub-prime products), Protection (including life assurance, critical illness cover, income protection, and ASU insurance), and Insurance (buildings, contents, and landlord's insurance). Additional services include financial advisory and will writing. All products are advised on a whole-of-market basis. The company is powered by IRESS mortgage technology and is headquartered in Totton, Southampton.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• In Partnership (The On-Line Partnership Limited)coreStrategic or Co-development PartnerForest Edge Mortgages Ltd is an appointed representative of In Partnership, which is authorised and regulated by the Financial Conduct Authority (FRN 192638). In Partnership acts as the principal firm, providing regulatory oversight and support for Forest Edge Mortgages.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Emerging players

• Tembo Money: Tembo is a UK mortgage broker and platform helping first-time buyers, families and later-life borrowers find suitable mortgage products through advisers and digital tools. It overlaps with Forest Edge's first-time buyer focus but operates nationally with a hybrid digital-plus-adviser model.
• Trussle: Trussle is a UK online mortgage broker offering automated remortgage recommendations with adviser support. It competes with Forest Edge's remortgage advisory segment specifically, but differentiates through algorithmic product matching rather than a personal adviser relationship.
• Habito: Habito is a UK digital mortgage broker offering whole-of-market mortgage advice online with optional human adviser support. It competes with Forest Edge in the same residential mortgage advisory category but differentiates through a fully digital, technology-led user experience rather than local face-to-face advisory.
• Better.co.uk (Better Mortgage): Better.co.uk is a UK digital mortgage broker offering online whole-of-market mortgage comparison and advice with broker support. It overlaps directly with Forest Edge's mortgage advisory value proposition but competes on convenience and price transparency rather than local adviser relationships.

Direct peers

• SPF Private Clients: SPF Private Clients is a UK mortgage, protection and wealth advisory firm serving professionals, contractors and buy-to-let investors with specialist income and adverse-credit cases. It mirrors Forest Edge's positioning across mortgages and protection plus targeted segments like adverse-credit and BTL.
• John Charcol: John Charcol is a long-established UK whole-of-market mortgage broker serving first-time buyers, remortgagors, buy-to-let investors, and complex-case borrowers. It is closely comparable to Forest Edge across customer segments and the whole-of-market proposition, though historically focused on London and higher-net-worth specialist cases.
• Mortgage Advice Bureau (MAB): MAB is the UK's largest mortgage and protection intermediary network, operating an appointed-representative model similar to Forest Edge's relationship with In Partnership. It is directly comparable in offering whole-of-market mortgage, protection and insurance advisory to UK consumers, but at national scale with hundreds of advisers across its network.
• Will Writing Hub: Will Writing Hub is a UK firm offering will writing, lasting power of attorney, and estate planning services to individual consumers — directly mirroring Forest Edge's will writing sub-product line including single will pricing and lifetime will storage options.
• Coreco: Coreco is a specialist UK mortgage broker focused on buy-to-let, portfolio landlord, and complex-case lending including adverse credit. It is highly comparable to Forest Edge on the BTL and adverse-credit specialist niche, though at larger scale and with a London-centric footprint.

Broad incumbents

• London & Country Mortgages (L&C): L&C is one of the UK's largest fee-free mortgage brokers, offering whole-of-market mortgage and protection advice nationally. Like Forest Edge, L&C provides independent whole-of-market mortgage advice with a strong emphasis on protection cross-sell, but operates at significantly larger scale with a national telephony-led model rather than a local face-to-face advisory approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/forest-edge-mortgages-limited

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Forest Edge Mortgages