What The Mortgage Mum does

The Mortgage Mum is a UK-based mortgage and protection brokerage founded in 2019 and headquartered in Leigh-On-Sea, Essex, with a distributed team of 21 or more advisers serving clients remotely across 200-plus UK towns and cities. The firm operates as an appointed representative of Mortgage Advice Bureau (Derby) Limited for FCA-regulated residential mortgage advice and runs a sister entity, The Mortgage Mum Specialist Finance Ltd (TMMSF), as an appointed representative of New Leaf Distribution Ltd for specialist and commercial finance (bridging, secured, business, and commercial property loans). Product offerings span first-time buyer, home mover, remortgage, new build, buy-to-let, self-employed, bad credit, contractor, professional (NHS/Military/Police/Teacher), high-net-worth, equity release, and later life lending, supplemented by a protection insurance suite covering life, critical illness, income protection, home, private health, and wills and trusts.

The business is delivered through a remote advisory model — video call, telephone, and email — with free initial consultations and fees structured as transaction-based commissions (typically 0.3% of the loan amount, up to 1%, with a flat £995 for specialist commercial cases). The technology stack is described as standard mortgage broking software and case management platforms with no proprietary technology moat. Customer acquisition relies on a content-led funnel (podcast, YouTube, blog, Instagram with 12.2K followers, TikTok, Facebook, LinkedIn) and an affiliate relationship with Checkmyfile for credit reference services. The firm is founder-led by Sarah Tucker and privately held with no external institutional investors disclosed.

Name

The Mortgage Mum

Legal name

The Mortgage Mum Limited

Website

https://themortgagemum.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

The Mortgage Mum is a UK-based, founder-led mortgage and protection brokerage delivering remote advisory services to individual homebuyers, movers, landlords, and professional segments across 200-plus towns via a 21-plus adviser team under FCA appointed representative status.

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

Commercial Mortgage Brokerage (FSAEAEAB), Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Mortgage brokerage
• Mortgage advice
• Protection insurance
• Remortgage services
• Buy to let mortgages

Headquarters

HQ city

Westgate On Sea

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broking Commission: The Mortgage Mum operates as a mortgage broker earning commission on mortgage products placed. They are an appointed representative of Mortgage Advice Bureau (Derby) Limited. Fees are charged as a percentage of the loan amount borrowed.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels9 records

Core offering

The Mortgage Mum is a UK mortgage and protection brokerage providing whole-of-market, independent mortgage advice across residential, buy-to-let, specialist, and later-life lending products. The firm operates exclusively through remote channels (video call, telephone, email) and also advises on protection insurance, equity release, and specialist finance such as bridging and secured loans.

Product overview

The Mortgage Mum is a multi-award-winning UK mortgage and protection brokerage operating as a team of female mortgage advisers. The core offering is mortgage brokering services organized around customer segments (First Time Buyer, Home Mover, Remortgage, New Build, Buy to Let, Self-Employed, Bad Credit) supplemented by protection insurance products (Life Insurance, Critical Illness, Income Protection, Private Health Insurance, Wills and Trusts) and later life lending services (Equity Release, Lifetime Mortgages, Home Reversion). The company also offers specialized professional mortgage products (NHS, Military, Police, Teacher mortgages), contractor-specific mortgages (CIS, umbrella company, IT contractors), and government scheme access (5% Deposit Guarantee, First Homes, Own New). Digital tools include online calculators, a mortgage blog, educational video guides via YouTube, and a proprietary podcast series. The Mortgage Mum operates under Mortgage Advice Bureau (Derby) Limited for regulated mortgage advice and through The Mortgage Mum Specialist Finance Ltd for specialist/commercial finance. Service is delivered exclusively via remote channels (video call, telephone, email) with flexible scheduling. The company has earned recognition including Best Broker Overall and Top Mortgage Employer, and maintains a 5.0-star Google rating with over 313 reviews.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Mortgage advisory for first-time homebuyers covering deposit requirements, Agreement in Principle, credit score improvement, government schemes, and broker guidance throughout the buying process.
• Home Mover Mortgages Mortgage services for existing homeowners moving to new properties, including mortgage porting, remortgaging considerations, and guidance on upsizing, downsizing, and handling negative equity.
• Remortgages Mortgage refinancing services to help clients switch from Standard Variable Rate deals or change lenders, including product transfers and remortgaging for debt consolidation or home improvements.
• New Build Mortgages Specialized mortgage advisory for new build properties, including guidance on exchange deadlines, lender criteria, developer incentives, completion date extensions, and government scheme eligibility.
• Buy to Let Mortgages Investment property financing for landlords covering rental yield calculations, stress tests, tax implications, limited company BTL options, and HMO mortgage guidance.
• Self-Employed Mortgages

Quantifiable outcome

• 5-star Google rating based on 313 reviews

Named customers5 records

Segments1 record

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Mortgage Advice Bureau (Derby) LimitedcoreStrategic or Co-development PartnerThe Mortgage Mum Limited is an appointed representative of Mortgage Advice Bureau (Derby) Limited, which is authorised and regulated by the Financial Conduct Authority. This principal relationship enables The Mortgage Mum to provide regulated mortgage advice under FCA authorization.
• CheckmyfileminorGTM or Marketing PartnerThe Mortgage Mum has an affiliate relationship with Checkmyfile, offering clients a 7-day free trial to access their credit report service that combines data from all three credit reference agencies (Experian, TransUnion, Equifax). The subscription after the trial is £14.99 per month, cancellable at any time.
• New Leaf Distribution LtdcoreStrategic or Co-development PartnerThe Mortgage Mum Specialist Finance Ltd (TMMSF) is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority (FCA No 460421). TMMSF is permitted to provide both regulated and unregulated advice including commercial products such as bridging loans, secured loans, and business loans.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mojo Mortgages: UK digital mortgage broker focused on first-time buyers and remortgagors with a content-led acquisition strategy. Highly comparable in GTM motion and target segments.
• John Charcol: Long-established specialist UK mortgage broker with strength in complex, professional and high-net-worth cases. Comparable to The Mortgage Mum's specialist/contractor/professional mortgage proposition.
• Better.co.uk: Online UK mortgage broker using technology to match borrowers with lenders. Competes directly with The Mortgage Mum for digital-first first-time buyers and remortgage customers.
• SPF Private Clients: UK specialist mortgage broker for high-net-worth, professional, and complex cases. Overlaps directly with The Mortgage Mum's professional, contractor and specialist finance offerings.
• Tembo: UK mortgage broker focused on helping first-time buyers and underserved borrowers (e.g., family-assisted, shared ownership). Comparable digital broker targeting similar customer segments.
• L&C Mortgages: One of the UK's largest independent mortgage brokers, providing fee-free or fee-based whole-of-market advice. Comparable business model and customer base to The Mortgage Mum, with a similarly broad product range.
• Habito: UK online mortgage broker offering whole-of-market advice via a digital platform. Closely comparable to The Mortgage Mum on whole-of-market positioning, target customer (UK homebuyers/remortgagors) and intermediary commission model.

Broad incumbents

• Openwork: Major UK financial advice network providing mortgage and protection advice through thousands of advisers. Competes with The Mortgage Mum for similar intermediary customers at significantly greater scale.
• Mortgage Advice Bureau: Large UK mortgage broker network and The Mortgage Mum's appointed-representative principal. Comparable intermediary offering at far greater scale, serving similar customer segments through a national adviser network.
• PRIMIS Mortgage Network: Large UK mortgage and protection network supporting intermediary firms. Comparable intermediary model with a much larger adviser base and broader lender panel access.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCG899KReJ9NHLZfyK3CXrUw
• Facebookfacebook.com/themortgagemum1
• LinkedInlinkedin.com/company/the-mortgage-mum-limited
• Instagraminstagram.com/the_mortgage_mum
• TikToktiktok.com/@themortgage_mum
• Xx.com/themortgagemum

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

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 The Mortgage Mum