Mortgageable

What Mortgageable does

Mortgageable is a UK mortgage brokerage operating as a trading name of Respective Financial Services Limited, a private limited company incorporated in England and Wales in 2023 (Company No. 14687578) and directly authorised by the Financial Conduct Authority (Firm Reference 998434). The company is headquartered in Winwick, Warrington, with additional offices in London and advisor coverage across North West England including Warrington, Widnes, Wigan, Manchester, and Lancashire. Founded and led by Director Kristian Derrick alongside Sales Director Ciaran Wilkinson, the firm employs approximately 20 staff spanning mortgage advisors, case managers, compliance, and administration. Mortgageable serves retail borrowers seeking residential mortgages, buy-to-let financing, self-employed and contractor mortgages, shared ownership, adverse credit, later life/equity release, and bridging finance.

The core technology consists of a digital brokerage platform built around the "Ten Minute Mortgage" — an online fact-find questionnaire that matches customers to over 100 lenders and 20,000+ mortgage deals — supported by the Roof AI chatbot for 24/7 enquiry handling, a secure client portal for document upload and case tracking, an integrated Equifax credit file service via Check My File, and free property reports. The platform is complemented by human advisors handling full applications, with the digital front-end functioning as a lead-qualification and conversion tool rather than a fully automated underwriting service. The Equifax, Feefo, and Check My File integrations extend the ecosystem into credit data, social proof, and property due diligence.

The business model is commission-based: Mortgageable is free to the consumer and is remunerated by lenders as a percentage of the amount borrowed on each completed mortgage, with disclosed commission structures varying by lender. Go-to-market is direct-to-consumer through website, chatbot, phone (03330 906030), and in-person consultations, supplemented by a Refer a Friend programme paying £50 Amazon vouchers per successful referral. Revenue is not publicly disclosed and there is no evidence of venture capital or private equity investment; the firm appears to be founder/management-owned and grown organically.

Name

Mortgageable

Legal name

Respective Financial Services Limited

Website

https://mortgageable.co.uk

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

UK FCA-authorised mortgage brokerage (trading as Respective Financial Services Limited) offering digital self-service plus advisor-led access to over 100 lenders across first-time buyer, buy-to-let, self-employed, and specialist mortgage segments.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage services
• Mortgage advice
• Buy-to-let financing
• Remortgage comparison
• First-time buyer mortgages

Headquarters

HQ city

Winwick

HQ country

United Kingdom

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Mortgageable receives commission from lenders for placing mortgages. Commission is calculated as a percentage of the amount borrowed. Different lenders pay different amounts depending on commission models. This is disclosed throughout the customer journey.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Mortgageable is a UK mortgage broker that compares and arranges mortgage products from a panel of over 100 lenders on behalf of individual borrowers, covering first-time buyer, remortgage, buy-to-let, self-employed, bad credit, later life/equity release, bridging, and secured loan cases. The service is free to customers, with the company earning commission from lenders on successfully placed mortgages. Core delivery combines a digital self-service matching application (the 'Ten Minute Mortgage') with personalised support from CeMAP-qualified advisors, supported by an AI chatbot, a secure client document portal, and a free Equifax credit report.

Product overview

Mortgageable is a UK mortgage brokerage platform offering access to over 100 lenders and 20,000+ mortgage deals. The core offering is the 'Ten Minute Mortgage' - a streamlined online questionnaire that matches users with personalized mortgage rates, supplemented by specialized mortgage products including Buy-to-Let, First-Time Buyer, Self-Employed, and Bad Credit mortgages. The platform provides free Equifax credit reports, a secure document portal, and an AI chatbot assistant (Roof AI) available 24/7. Additional services include secured loans, later life/equity release mortgages, and bridging finance. The ecosystem includes a referral program offering £50 Amazon vouchers per successful referral.

Differentiator

Problem solved

Functional benefit

Products and services

• Ten Minute Mortgage Quick online questionnaire that matches users with today's best mortgage rates based on their basic criteria, with personalised quotes generated by advisors after online fact-find and document upload via secure portal.
• Mortgage Calculator and Rate Comparison Online tool allowing users to calculate and compare mortgage rates from hundreds of lenders and thousands of mortgage deals.
• First-Time Buyer Mortgages Specialised mortgage products and guidance for first-time buyers, including shared ownership and guarantor mortgage options.
• Self-Employed Mortgages Mortgage products tailored for self-employed applicants, contractors, sole traders, and limited company directors with complex income documentation.
• Buy-to-Let Mortgages Mortgage products for landlords purchasing investment properties, including limited company BTL options and HMO financing.
• Bad Credit Mortgages Mortgage products for applicants with credit issues including missed payments, defaults, CCJs, and bankruptcies.
• Later Life Mortgages Equity release and later life mortgage products for older homeowners looking to access property value.
• Bridging Finance Short-term loan products for borrowers needing quick capital to secure property purchases before long-term financing is arranged.
• Secured Loans Secured homeowner loan products for customers with existing property who want to borrow against their home equity.

Quantifiable outcome

• Free credit file access via Equifax with no monthly commitments
• +1 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• EquifaxcoreTechnology or IntegrationPartnership providing customers with free Equifax credit file access via Check My File partners portal. Enables customers to access their credit history to understand their mortgage eligibility before applying.
• Caroline Sharpe-SzunkominorImplementation/ SI/ Consulting PartnerATT-qualified tax adviser with over 15 years experience recommended by Mortgageable for specialist tax advice related to property ownership, particularly for limited company landlords and property investors.
• 100+ UK LenderscoreChannel Partner/ Reseller/ DistributorNetwork of over 100 UK mortgage lenders providing access to 20,000+ mortgage deals. Being directly authorised by FCA allows unrestricted access to these lenders without third-party constraints. Commission received from lenders for placed mortgages.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Tembo: Digital UK mortgage broker with an emphasis on affordability analysis and online advice, focused on first-time buyers and remortgagors — overlaps with Mortgageable's primary customer segments.
• SPF Private Clients: UK mortgage broker offering whole-of-market access and bespoke advice for professional and high-net-worth borrowers — comparable distribution model targeting more complex cases.
• John Charcol: Long-established specialist UK mortgage broker covering complex cases, buy-to-let, and high-value borrowers — directly comparable in offering specialist advice across a wide lender panel.
• Haysto: UK specialist mortgage broker focused on self-employed, adverse credit and complex-income applicants — directly competes in the underserved-niche segments Mortgageable advertises.
• Better.co.uk: Online UK mortgage broker with comparison tools and human adviser support, positioning around speed and whole-of-market access — analogous digital-plus-advisor proposition.
• Habito: Digital-first UK mortgage broker offering online comparison, an AI assistant, and human adviser support across a whole-of-market lender panel — directly comparable model to Mortgageable's digital-plus-advisor hybrid.
• London & Country Mortgages (L&C): Largest fee-free UK mortgage broker with whole-of-market lender access and phone/online advice — same commission-funded model targeting consumers shopping across lenders.
• Mojo Mortgages: Online mortgage broker offering rate comparison, digital application tools and human advice — competes for the same first-time-buyer and remortgage segments Mortgageable targets.

Broad incumbents

• Countrywide: Large UK estate-agency group with an in-house mortgage broking arm — competes broadly with Mortgageable, especially in regions where Countrywide branches overlap with Mortgageable's North West footprint.
• Newbury Building Society: UK building society offering direct mortgage advice alongside savings products — broad incumbent with advisory capability that overlaps parts of Mortgageable's product range and audience.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/mortgageable
• Instagraminstagram.com/mortgageable_
• Xx.com/mortgageableuk
• LinkedInlinkedin.com/company/mortgageable

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Mortgageable