TMP The Mortgage People

Name

TMP The Mortgage People

Legal name

TMP The Mortgage People Ltd

Website

https://tmpmortgages.co.uk

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

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

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Shared ownership mortgages
• Mortgage brokerage services
• Remortgaging advice
• Affordability assessment
• Housing association partnerships

Headquarters

HQ city

Corby

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 Advice Fees: Fees charged for mortgage advice and placement services. The fee is typically calculated as a percentage of the amount borrowed or a fixed fee, depending on the circumstances and loan type.
2. Referral Fees from Credit Report Services: TMP receives referral fees (£12 per referral) from Check My File when customers sign up for their credit reporting service through TMP links.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

TMP The Mortgage People is a UK mortgage brokerage and advisory firm specializing in Shared Ownership mortgages. The company provides personalized mortgage advice, affordability assessments (both quick Pre-Flight Checks and comprehensive Full Assessments), remortgaging services, Shared Ownership specialist guidance including staircasing, and protection insurance products. Customers access services through direct advisor consultations (phone, email, video) and an online assessment portal, supported by a 49-person team and partnerships with 70+ Housing Associations and major UK lenders.

Product overview

TMP The Mortgage People is a UK-based mortgage advisory firm specializing in Shared Ownership schemes. The company offers a unified service combining personalized mortgage advice, digital assessment tools, and partnership services for housing associations. The core offering includes affordability assessments (both quick Pre-Flight Checks and Full Assessments), mortgage application support, remortgaging services, and protection products. The Mortgage Ready App provides mobile-based affordability estimation, while the online application portal handles new, joint, and returning customer applications. Educational resources include the three-part Mortgages Explained guide series. For housing associations, TMP provides partnership services including market data and Shared Ownership insights. The company also hosts the annual Tea & Affordable Housing networking event for industry professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Services Personalized mortgage advice and guidance throughout the home-buying journey, specializing in Shared Ownership schemes. Advisors help customers understand options, assess affordability, and navigate the mortgage application process.
• Affordability Assessment Comprehensive evaluation of customers' financial situation including income, outgoings, and credit history to determine mortgage eligibility and affordable borrowing amounts.
• Pre-Flight Check Quick affordability checker providing a speedy yes/no indication of affordability in seconds for initial screening purposes.
• Full Assessment Detailed affordability assessment requiring comprehensive financial information, conducted by advisors who provide personalized mortgage recommendations.
• Mortgage Ready App

Quantifiable outcome

• Customer satisfaction rating of 4.9/5 based on verified Feefo reviews

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Housing Associations/Registered ProviderscoreChannel Partner/ Reseller/ DistributorTMP works with 70+ Registered Providers including major names like Peabody, Notting Hill Genesis, Orbit, and many others. These HAs refer their customers to TMP for mortgage advice and services.
• Mortgage Advice BureaucoreStrategic or Co-development PartnerTMP is an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the FCA. MAB provides regulatory oversight, product access, and professional support.
• Check My FileminorGTM or Marketing PartnerCredit reporting service that TMP refers customers to for credit checks. TMP receives £12 per referral from Check My File.
• New Home BuilderscoreChannel Partner/ Reseller/ DistributorNew home builders who partner with TMP to help their buyers secure mortgages through Shared Ownership schemes.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Better.co.uk: UK online mortgage broker offering whole-of-market comparison and advice for purchase and remortgage customers; competes in the same consumer mortgage channel as TMP but with a tech-led experience.
• Habito: UK online and hybrid mortgage broker providing purchase, remortgage, and advice services; competes for the same consumer mortgage funnel as TMP but with a more digital-led delivery model.
• London & Country Mortgages (L&C): Long-established UK mortgage broker offering whole-of-market advice across purchase, remortgage, and specialist lending; comparable to TMP in adviser-led brokerage model and panel-based lender access.
• John Charcol: Specialist UK mortgage broker focused on complex, professional, and higher-value mortgage cases; shares with TMP the advisor-led brokerage model and reliance on a wide lender panel.
• Trussle: UK digital-first mortgage broker helping consumers find and switch mortgage products; competes for the same remortgage and first-time buyer demand as TMP with a heavier self-service bias.
• Alexander Hall: London-focused UK mortgage broker offering advice across residential, buy-to-let, and shared ownership; comparable to TMP in advisory delivery and panel-driven lender access.

Broad incumbents

• Countrywide (Connells Group): Large UK estate agency and mortgage broking group offering mortgage advice alongside property sales; competes for the same purchase-driven mortgage demand as TMP at national scale.
• Mortgage Advice Bureau: UK national mortgage broker network of which TMP is an Appointed Representative; offers the same intermediary/brokerage model with much broader geographic and lender coverage, making it the natural scale reference point for TMP's advisory business.

Emerging players

• MPowered Mortgages: UK technology-led mortgage origination platform using open banking and automation; adjacent rather than directly competing but pushing the digital direction of the same brokerage market TMP serves.
• SPF Short Term Finance: UK specialist finance broker with overlapping lender relationships in the Shared Ownership and affordable housing space; partial overlap with TMP in lender panel and customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Chirpymortgages
• Facebookfacebook.com/tmpthemortgagepeople
• LinkedInlinkedin.com/company/tmp-the-mortgage-people

Compliance3 records

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 TMP The Mortgage People