Mortgage Light

What Mortgage Light does

Mortgage Light is a privately-held, FCA-authorized mortgage and protection advisory firm founded in January 2011 by Siobhan Holbrook. The company is headquartered in Milton Keynes (with a registered office in Brackley) and serves clients across the United Kingdom through remote phone/video consultations, in-person appointments at its Milton Keynes office, and monthly drop-in clinics. Its core offering is whole-of-market mortgage broking spanning first-time buyer, homemover, remortgage, shared ownership, buy-to-let, and commercial/specialist lending categories, complemented by a Protection division covering life, critical illness, income, home, business, and private medical insurance sourced via a panel that includes Aviva, Legal & General, Vitality, LV=, and Uinsure.

The firm generates revenue through transaction fees (typical £495 for residential purchases and £595 for buy-to-let, capped at 1.5% of loan amount) charged upon submission of a full mortgage application, plus commissions from arranged protection/insurance policies. Initial consultations are free, with fees agreed before a Decision in Principle is issued. The underlying technology is described as a whole-of-market brokering platform providing access to over 25,000 mortgage products from lenders including Virgin Money, TSB, Skipton Building Society, and Principality Building Society; no proprietary technology stack, AI tooling, or API surface is disclosed. A sister company, Holbrook Capital Finance (HCF), handles bridging, commercial, and development finance referrals.

Distribution is hybrid: a sales-led advisory motion paired with a social-first community approach across TikTok, Instagram, and Facebook, supported by an Existing Client Zone, monthly drop-in clinics (first Thursday of each month, 5–7pm), a £25 M&S voucher referral program, and free educational resources (Jargon Buster glossary, downloadable fact sheets). The customer base is overwhelmingly individual consumer — first-time buyers, homemovers, buy-to-let investors, self-employed/contractors, CIS workers, and visa holders — with an over-80% remortgage retention rate signaling durable client relationships.

Name

Mortgage Light

Legal name

Mortgage Light Ltd

Website

https://mortgagelight.co.uk

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Light is a UK FCA-authorized mortgage and protection advisory firm founded in 2011, headquartered in Milton Keynes, providing whole-of-market mortgage broking across residential, buy-to-let, and specialist lending categories to individual consumers throughout the United Kingdom.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Commercial & Multifamily Mortgage Brokers (FSALABAB)

Keywords

• Mortgage advisory services
• Whole-of-market brokerage
• Protection insurance advisory
• Remortgage advisory
• Specialist mortgage lending

Headquarters

HQ city

Milton Keynes

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broker Fees: Fees charged upon submission of a full mortgage application. While fees can be up to 1.5% of the loan amount, typical fees are £495 for residential purchases and £595 for buy-to-let mortgages. Initial consultations are free.
2. Protection/Insurance Products: Arrangement of insurance products (life insurance, critical illness, income protection, home insurance, etc.) alongside mortgage services. The company earns commissions from insurance providers for policies placed.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Mortgage Light is a UK mortgage and protection advisory firm that brokers mortgages for individual consumers across first-time buyer, homemover, remortgage, shared ownership, buy-to-let, commercial, and specialist lending categories, with access to over 25,000 whole-of-market products. The firm also arranges protection insurance (life, critical illness, income protection, home, business, and private medical) via its protection panel. Services are delivered through a combination of in-person consultations at the Milton Keynes office, remote phone/video advisory, online booking, and a social-first community presence, with fees typically £495 for residential and £595 for buy-to-let applications.

Product overview

Mortgage Light is a mortgage and protection advisory firm based in Milton Keynes, serving clients across the UK since 2011. The core offering is mortgage brokering and advisory services spanning first-time buyer, homemover, remortgage, shared ownership, buy-to-let, and commercial/specialist lending products. The firm is structured around a main mortgage advisory service (covering residential and specialist mortgage categories) complemented by a dedicated Remortgage Team, a Protection division (offering home, life, critical illness, income, business protection, and private medical insurance), a sister specialist finance company (Holbrook Capital Finance) for complex commercial and bridging needs, and client-facing services including a monthly Drop-in Clinic and an Existing Client Zone. Supporting resources include a free Jargon Buster Glossary and downloadable fact sheets.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Mortgage advisory and brokering service for first-time buyers covering affordability assessment, Decision in Principle, deposit options (including zero deposit, low deposit, gifted deposits, builder contributions), government schemes (Lifetime ISA, First Homes, Shared Ownership, Right to Buy), and full application support through to completion.
• Homemover Mortgages Mortgage advisory service for individuals moving home, including property valuation, equity assessment, mortgage porting evaluation, Decision in Principle acquisition, and coordination of sale-and-purchase transactions through to completion.
• Remortgages Remortgage advisory and brokering service including product transfer evaluation, external remortgage to a new lender, rate monitoring, equity release, and term adjustment (shortening or extension), operated by a dedicated in-house Remortgage Team.
• Shared Ownership Mortgages Specialist advisory for shared ownership purchases, guiding buyers through purchasing a share (typically 10-50%) of a property while paying rent on the remaining share, with support for staircasing (incremental buy-out) to full ownership.
• Buy to Let / Investor Mortgages Buy-to-let mortgage advisory covering personal-name and limited-company (SPV) landlords, HMO mortgages, and portfolio landlord financing, with access to the whole market and exclusive deals not available direct.
• Commercial & Specialist Lending Mortgages Commercial mortgage brokering for the purchase or refinancing of commercial properties (offices, retail, industrial, mixed-use), including bridging finance, development finance, and asset finance solutions, facilitated through sister company Holbrook Capital Finance (HCF).
• Self-Employed Mortgages Mortgage advisory for self-employed applicants, including sole traders, limited company directors, partnerships, freelancers, and day-rate contractors, using SA302s, business accounts, and lender-specific income assessment approaches.
• CIS Worker Mortgages Specialist mortgage advisory for Construction Industry Scheme (CIS) workers, using CIS payslips rather than tax returns for income assessment, with access to lenders that calculate income via 12-week average or 46-week multiplier methods.
• Visa Holder Mortgages Mortgage advisory for individuals on skilled worker and other visa types, guiding on lender requirements, affordability support, and deposit structuring for non-resident applicants.
• Green Mortgages Mortgage advisory for energy-efficient properties, leveraging lenders that offer preferential rates or incentives for high-EPC-rated homes, with some lenders allowing higher borrowing for properties with better energy performance.
• Low / No Deposit Mortgages Specialist options for buyers with minimal savings, including 100% (zero deposit) mortgages based on rental history and creditworthiness, and low-deposit products starting from 2.5-5% deposit requirements.
• Bad Credit Mortgages Adverse credit mortgage advisory for applicants with defaults, CCJs, or other credit blips, sourcing specialist lenders who consider full financial circumstances rather than relying solely on credit scores.
• Home Insurance Buildings and contents insurance advisory, including landlord insurance for buy-to-let properties, with access to insurers such as TradeX, Integra, Covea, and AXA.
• Life Insurance Life assurance products including decreasing cover (aligned to repayment mortgages) and level/term cover, with terminal illness benefit and additional add-ons such as parent-and-child cover, fracture cover, and payment-break options.
• Critical Illness Cover Critical illness protection paying a tax-free lump sum on diagnosis of serious conditions such as cancer, heart attack, or stroke; available in increasing (inflation-linked) or decreasing formats, with children's cover and access to specialist medical services.
• Income Protection Regular monthly income benefit payable during illness or injury-induced inability to work, with flexible durations and support for non-traditional income profiles including self-employed and homemakers.
• Business Protection

Quantifiable outcome

• Over 80% client retention rate for remortgaging
• +1 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered minor and core.

• Smart Currency ExchangeminorGTM or Marketing PartnerReferral partnership for international money transfers. Mortgage Light refers clients with overseas funds to Smart Currency Exchange for competitive exchange rates on property purchase deposits and completion funds transferred from abroad.
• Holbrook Capital Finance (HCF)coreStrategic or Co-development PartnerSister company and specialist finance division providing bridging, commercial, and development finance solutions. For clients requiring investment, commercial, or complex lending beyond standard mortgage products, Mortgage Light refers to HCF for tailored specialist finance solutions.
• Virgin MoneyminorOthersUK bank and building society partner; one of many lenders accessed through whole-of-market brokerage.
• TSBminorOthersUK bank and building society partner; one of many lenders accessed through whole-of-market brokerage.
• Skipton Building SocietyminorOthersUK building society partner; one of many lenders accessed through whole-of-market brokerage.
• Principality Building SocietyminorOthersWelsh building society partner; one of many lenders accessed through whole-of-market brokerage.
• VitalityminorOthersProtection insurance provider; part of whole-of-market protection panel.
• AvivaminorOthersProtection insurance provider; part of whole-of-market protection panel.
• LV=minorOthersProtection insurance provider; part of whole-of-market protection panel.
• UinsureminorOthersHome insurance provider; part of whole-of-market protection panel.
• Legal & GeneralminorOthersProtection insurance provider; part of whole-of-market protection panel.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Emerging players

• Mojo Mortgages: Online UK mortgage broker with a digital lead-to-completion journey and remortgage focus. Comparable as a UK broker competing on convenience and price in the residential and remortgage segments.
• Trussle: Online UK mortgage broker with whole-of-market access and an automated matching experience. Comparable as a UK mortgage broker focused on remortgage and first-time buyer flows.
• Better.co.uk: Digital UK mortgage broker providing whole-of-market access with fee-based advice. Comparable as a UK whole-of-market broker targeting first-time buyers and remortgage clients via an online-plus-advisory hybrid model.
• Habito: Digital-first UK mortgage broker and lender with an online application journey. Comparable as a UK mortgage broker targeting first-time buyers, but competing via technology-led UX rather than advisory-led relationships.

Direct peers

• Private Finance: UK mortgage broker focused on specialist, high-net-worth, and complex-income lending. Directly comparable for niche segments such as self-employed, contractor, and adverse credit that Mortgage Light serves.
• Mark Alexander (Mortgage Solutions): Independent UK whole-of-market mortgage broker offering residential, buy-to-let, and protection advice. Comparable business model, segment focus, and revenue model to a regional UK advisory broker.
• John Charcol: Long-established specialist UK mortgage broker offering whole-of-market access across residential, buy-to-let, and complex income cases. Closely comparable business model and customer profile to Mortgage Light's specialist offering.
• SPF Private Clients: UK specialist mortgage broker serving high-net-worth, expat, and complex-income clients. Comparable specialist segment overlap (expat/visa, self-employed, complex structures).
• The Mortgage Broker (TMB): Independent UK mortgage broker providing whole-of-market advice across residential, buy-to-let, and remortgage cases. Comparable as a regional UK fee-charging broker with similar product breadth.

Broad incumbents

• London & Country Mortgages (L&C): One of the UK's largest fee-free mortgage brokers with whole-of-market lender access. Comparable as a UK residential mortgage broker serving first-time buyers and homemovers, but at materially greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Mortgagelight
• Instagraminstagram.com/mortgage_light/?hl=en
• TikToktiktok.com/@mortgage.light
• Xx.com/MortgageLightPR
• LinkedInlinkedin.com/company/mortgage-light-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Mortgage Light