Rainstone Money

Name

Rainstone Money

Legal name

Rainstone Financial Services Limited

Website

https://rainstonemoney.co.uk

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage brokerage
• Commercial finance
• Residential mortgages
• Buy-to-let finance
• Bridging finance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

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. Broker Commission from Lenders: Rainstone Money acts as a credit broker earning commissions from lenders on completed mortgage and finance transactions. The company states: 'We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.'

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Rainstone Money is an independent FCA-authorised mortgage and finance brokerage that searches a panel of 100+ UK lenders to match clients with residential, buy-to-let, commercial, development, bridging, and Sharia-compliant finance products. The company sources and arranges mortgages, business loans, and property insurance for individuals, property investors, business owners, and foreign national/GCC clients, handling the full application process from inquiry through completion. Revenue is earned via broker commissions from lenders on completed transactions.

Product overview

Rainstone Money is an independent whole-of-market mortgage brokerage providing a comprehensive suite of financial products and services. The offering is organized into commercial finance products (including Commercial Mortgages, Development Mortgages, Business Loans, and Bridging Finance), residential mortgage solutions (covering standard Residential Mortgages, First-Time Buyer, New Build, Remortgaging, and specialist products like Flexible, Offset, Lifetime, and Self Build Mortgages), buy-to-let services (BTL Finance, BTL Remortgage, and Portfolio Landlord solutions), short-term finance options (Residential Bridging, Auction Finance, and Refurbishment Finance), international/foreign national products (International Mortgages and specialized GCC investor solutions including Sharia-compliant options), insurance products (Building, Contents, and Landlord Insurance), and digital tools (Mortgage Calculator, Case Studies, and FAQ resources). The company acts as an intermediary accessing over 100 lenders to match clients with tailored financial solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Mortgages Tailored commercial property mortgage products for owner-occupiers and investors, covering warehouses, retail units, and office blocks with access to market-leading rates across the 100+ lender panel. For UK business owners and commercial property investors.
• Commercial Financing Broad-spectrum commercial finance solutions for business owners to restructure debt, improve cash flow, and secure liquidity for large-scale operations. For UK business owners seeking non-mortgage commercial finance.
• Development Mortgages Specialist commercial building mortgages providing staged funding for new builds, residential conversions, and large-scale commercial refurbishments. For UK property developers.
• Business Loans Fast-access commercial loans and business credit lines with flexible repayment terms for inventory, equipment, or expansion opportunities, including for applicants with no filed accounts. For UK SMEs and business owners.
• Commercial Bridging Finance Short-term bridging loans for time-sensitive commercial property acquisitions, enabling rapid turnaround (e.g., 7-day completions) for auction purchases. For commercial property investors and developers.
• Residential Mortgages Whole-of-market residential mortgage access with tailored rates for homebuyers seeking long-term financial stability. For individual UK homebuyers and home movers.
• First-Time Buyer Mortgages Mortgage products and guidance specifically designed to help first-time buyers navigate the home purchasing process. For UK first-time buyers.
• New Build Mortgage UK Specialist mortgage products for newly constructed properties in the UK market. For buyers of new-build UK properties.
• Remortgaging Refinancing services to secure better rates, release equity, or adjust loan terms on existing UK residential properties. For existing UK homeowners.
• Buy to Let Property Finance (BTL) Expert BTL advice for personal property and limited company structures to maximise rental yields and turn rent into wealth. For UK individual and limited-company BTL investors.
• BTL Remortgage Refinancing solutions for existing buy-to-let properties to secure better rates or release equity. For UK BTL landlords.
• Portfolio Landlord Mortgages
• Flexible Mortgage Home loans with adjustable payments featuring daily interest calculation, penalty-free overpayments, borrow-back facilities, and payment holiday options. For UK borrowers seeking flexible repayment features.
• Offset Mortgage Mortgages linked to savings accounts where balances are offset against the mortgage to reduce interest payments. For UK borrowers with savings who want to minimise mortgage interest.
• Lifetime Mortgage Equity release products for homeowners aged 55+ allowing them to access cash from their property while continuing to live there. For UK homeowners aged 55+ seeking equity release.
• Self Build Mortgage Stage-release mortgages where funds are disbursed aligned with construction progress for custom home projects. For UK self-build and custom home borrowers.
• International Mortgages Home loans for overseas property purchases including foreign currency options and cross-border regulatory compliance. For UK buyers purchasing property abroad.
• Residential Bridging Finance Short-term loans to purchase properties quickly while waiting for long-term funding or property sales to complete. For UK property buyers and investors needing fast short-term funding.
• Auction Finance Pre-approved fast funding solutions for property auctions with 28-day completion windows, providing cash-buyer status. For UK property auction buyers.
• Refurbishment Finance Bridging loans funding property renovations covering up to 100% of construction costs with staged releases as value is added. For UK property investors and developers undertaking refurbishment projects.
• Building Insurance Property structure insurance covering foundations through to roof, including fitted kitchens and plumbing, against structural damage. For UK property owners.
• Contents Insurance Coverage for personal belongings including furniture, electronics, and valuables against theft, damage, or loss. For UK property owners and tenants.
• Landlord Insurance Specialised insurance for rental property owners covering buildings, liability, and loss of rental income. For UK landlords and BTL investors.
• Foreign National Mortgages Specialist mortgage solutions for non-UK residents including Sharia-compliant JBSP structures and overseas income acceptance, with remote digital onboarding. For foreign nationals and GCC investors seeking UK property finance.

Quantifiable outcome

• 5,000+ businesses funded successfully across multiple sectors
• +3 more outcomes

Named customers10 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

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Bells Estate AgentscoreChannel Partner/ Reseller/ Distributor · 1 January 2023Rainstone partnered with Bells Estate Agents for the 'Money For Landlords' event to provide education on property finance and government grants to landlords, combining estate agency and mortgage brokerage expertise.
• Paradigm Mortgage ServicesminorChannel Partner/ Reseller/ DistributorParadigm Mortgage Services is listed as a partner on Rainstone's website, indicating an integration or referral relationship within the mortgage services ecosystem.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Habito: UK digital-first mortgage broker offering whole-of-market access with strong technology-led onboarding for residential and BTL customers. Competes with Rainstone for self-directed broker customers seeking whole-of-market comparison with digital convenience.
• Haysto: UK specialist mortgage broker focused on self-employed, adverse credit, and complex-income borrowers through whole-of-market access. Directly comparable to Rainstone's self-employed specialist mortgages and complex affordability use cases.
• London & Country Mortgages: One of the largest independent whole-of-market UK mortgage brokers, accessing a broad lender panel across residential, BTL, and specialist segments. Directly comparable business model, revenue source (lender commission), and whole-of-market value proposition to Rainstone Money.
• SPF Private Clients: UK specialist mortgage broker focused on complex and high-net-worth residential, BTL, and commercial cases through an adviser network. Closely comparable to Rainstone's specialist/foreign-national and complex-case positioning and AR-style distribution model.
• Coreco Mortgage Brokers: UK specialist mortgage broker handling complex income, expat, and high-net-worth residential and BTL cases. Comparable to Rainstone's specialist mortgage and foreign national segments, particularly on adviser-led complex deal structuring.
• John Charcol: Long-established London-based specialist mortgage broker for high-value residential, expat, and complex income borrowers. Overlaps with Rainstone's foreign national, expat, and prime residential specialisms and adviser-led delivery model.
• Trussle: Online UK mortgage broker providing whole-of-market residential and remortgage comparison through a tech-enabled platform. Directly overlaps with Rainstone's residential and remortgage segments on customer profile and lender panel model.

Broad incumbents

• HSBC UK: UK high-street bank offering residential, BTL, and international mortgages direct and via intermediary channels. A broad incumbent that competes for standard residential cases that Rainstone's whole-of-market panel is differentiated against.
• Aldermore Bank: UK specialist bank providing residential, BTL, bridging, and commercial property lending that brokers like Rainstone access via their lender panel. A relevant broader incumbent relationship counterparty on the specialist lending side of Rainstone's offer.

Emerging players

• Fluent Money: UK bridging finance specialist lender and broker supporting time-sensitive property acquisitions, auctions, and refurbishments. Comparable to Rainstone's auction finance, bridging, and refurbishment specialisms on customer use case and lender panel approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/rainstone_money
• Facebookfacebook.com/rainstonemoneyuk
• LinkedInlinkedin.com/company/rainstonemoney
• Instagraminstagram.com/rainstone_money

Revenue estimate

Valuation estimate

Number of profiles

Profiles26 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 Rainstone Money