Meridian Mortgages
Meridian Mortgages is a Leicester-based, FCA-regulated mortgage advisory firm operating as an appointed representative of Mortgage Advice Bureau, providing specialist mortgage, new build, and remortgage advice to UK consumers with a hybrid digital-plus-adviser service model.
- Company typePrivate
- Founded1998
- HeadquartersLeicester, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Meridian Mortgages does
Meridian Mortgages is a UK-based mortgage advisory firm operating as a trading name of Meridian (Leicester) Limited, established in 1998 and headquartered in Wigston, Leicestershire. The company operates as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, providing regulated mortgage advice under FCA oversight to consumers across the Leicester region. It serves individual customers seeking residential mortgages, with specialist capabilities in new build property financing and remortgage advisory, alongside protection products such as life insurance, critical illness cover, and income protection.
The firm's service delivery combines human advisers with a digital tooling layer. Core technology includes AI-assisted affordability assessment, automated product sourcing across thousands of mortgage deals, identity verification systems for AML compliance, and a recommendation engine that matches customer requirements to lender criteria. Customer-facing digital assets include the Home Buying App (iOS/Android), FIRST Step (an online affordability assessment), mortgage calculators (borrowing amount, repayment, stamp duty, LBTT, LTT), and a mortgage finder search tool. All automated outputs are subject to adviser review before final decisions.
Meridian operates a sales-led, hybrid distribution model with a physical branch in Wigston, telephone advisory, a self-serve website, a mobile app, and callback request forms. Revenue is generated through two streams: customer-facing mortgage advice fees (typically £99 or up to 1% of the loan amount) and lender proc fees/commission on arranged mortgage products. The firm markets through content (expert advice blog, calculators), email, organic social, Google reviews, and its mobile app. Geographic reach is concentrated in England (Leicester and surrounding areas), with product access spanning the full UK through the MAB network.
Meridian Mortgages firmographics
Firmographics- Name
- Meridian Mortgages
- Legal name
- Meridian (Leicester) Limited
- Website
- https://meridianmortgages.net
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Meridian Mortgages is a Leicester-based, FCA-regulated mortgage advisory firm operating as an appointed representative of Mortgage Advice Bureau, providing specialist mortgage, new build, and remortgage advice to UK consumers with a hybrid digital-plus-adviser service model.
- Ownership category
- akta.pro rank
Meridian Mortgages industry classification
Industry- Product category
- Mortgage Advisory 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 industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
Keywords
Where Meridian Mortgages is headquartered
LocationHeadquarters
- HQ city
- Leicester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Meridian Mortgages business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Mortgage Advice Fees: Meridian Mortgages charges fees for mortgage advice services. The fee is calculated as a percentage of the mortgage amount or a fixed amount depending on circumstances.
- Mortgage Arrangement/Product Fees: Fees charged for arranging mortgage products, typically up to 1% of the loan amount with a typical fee of £99
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Mortgage Advice Fee |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Meridian Mortgages product offering
Product offeringCore offering
Meridian Mortgages provides expert mortgage advice to individual consumers in Leicester and surrounding areas, covering residential purchases, new build financing, and remortgages. As an appointed representative of Mortgage Advice Bureau, it offers access to thousands of mortgage products across the UK, including exclusive deals, alongside protection insurance products and digital mortgage planning tools such as the Home Buying App.
Product overview
Meridian Mortgages is a mortgage advisory firm operating in Leicester and surrounding areas for over 25 years, providing expert mortgage advice as an appointed representative of Mortgage Advice Bureau. The core offering consists of specialist mortgage advisory services covering residential purchases, new build properties, and remortgages. Supporting the advisory services is a digital suite of tools including The Home Buying App (a mortgage coach available on iOS and Android), FIRST Step (an online affordability assessment tool), and multiple calculators (Borrowing Amount, Repayment, Stamp Duty, LBTT, LTT). The company also provides a Financial Risk Assessment tool for protection coverage evaluation and a mortgage finder search tool. All services are regulated by the Financial Conduct Authority.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage Advice Services Expert mortgage advisory services for individual consumers, including access to a comprehensive range of mortgage products across the UK and exclusive deals, delivered through advisers with over 25 years of experience.
- New Build Mortgage Advice Specialist mortgage advisory service for buyers of newly constructed properties, covering Help to Buy, Shared Ownership, and Deposit Unlock schemes.
- Remortgage Advice Expert advisory service supporting remortgaging of existing properties, covering preparation, deal timing, and early repayment charge considerations.
- The Home Buying App A standalone mobile application on iOS and Android acting as a digital mortgage coach to help users save up, plan, and track their home buying journey, with affordability tools, savings goal tracking, and expert advice articles.
- FIRST Step A standalone branded online mortgage assessment tool that helps users understand in approximately 60 seconds how much they may be able to afford and how much their mortgage may cost.
- Financial Risk Assessment A standalone online assessment tool evaluating protection coverage needs for life insurance, critical illness cover, and income protection based on the user's financial situation.
Companies that use Meridian Mortgages
Customer profileSegments4 records
Ideal customer profiles1 record
Meridian Mortgages technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature5 records
Meridian Mortgages partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Mortgage Advice Bureau LimitedcoreMeridian Mortgages is a trading name of Meridian (Leicester) Limited, which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. This relationship provides access to a comprehensive range of mortgage products across the UK, including exclusive deals. Meridian operates under the FCA authorisation and regulatory oversight of MAB.
- Mortgage Advice Bureau (Derby) LimitedcoreMeridian Mortgages is also an appointed representative of Mortgage Advice Bureau (Derby) Limited, providing additional network coverage and product access.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Meridian Mortgages competitors and assessment
Company assessmentDirect peers
- Openwork: UK financial advice and mortgage network with a large appointed-representative footprint. Competes with MAB for AR relationships and provides the same regulatory-wrapper and product access model that Meridian relies on through MAB.
- Sesame Bankhall Group (Sesame Network): UK appointed-representative mortgage network that competes directly with MAB for AR relationships. Operates a near-identical model to Meridian's parent arrangement, making it a network-level peer as well as a competitor for AR adviser talent.
- London & Country Mortgages: One of the UK's largest fee-charging whole-of-market mortgage brokers, founded in the 1990s. Directly competes with Meridian in residential purchase and remortgage advice with a national remote-led model rather than local branch presence.
- Primis Mortgage Network: UK mortgage and protection appointed-representative network owned by Lloyds Banking Group. Functions as a competing AR platform to MAB, serving similar small-to-mid broker firms with regulatory and product infrastructure.
- Mortgage Advice Bureau: The parent network and regulatory principal of Meridian. MAB is a UK whole-of-market mortgage intermediary network operating an appointed-representative franchise model; Meridian is one of its ARs, so MAB defines Meridian's product access, regulatory standing, and operating model.
- Trussle: UK online mortgage broker offering whole-of-market comparison and remortgage execution. Overlaps directly with Meridian's remortgage and home-mover segments through a digital-first delivery model.
- Habito: UK digital-first whole-of-market mortgage broker offering comparison, advice, and execution online. Competes with Meridian for the same residential purchase and remortgage customers but through a self-service/PLG model rather than a local branch.
- John Charcol: Long-established UK whole-of-market mortgage broker focused on residential, buy-to-let, and specialist lending. Directly comparable to Meridian as a fee-advice broker targeting similar customer segments across the UK.
Broad incumbents
- Countrywide (Connells subsidiary): Major UK estate agency with integrated mortgage services via Countrywide Mortgage Services. Competes with Meridian in residential purchase and remortgage segments through a much larger national branch and adviser footprint.
- Connells Group: UK's largest estate agency and property services group, with in-house mortgage brokerage across its branch network. A broad incumbent that bundles mortgage advice with home sales, competing with Meridian for the same first-time-buyer and home-mover customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Meridian Mortgages social profiles
Digital presenceMeridian Mortgages compliance and trust
Trust signalCompliance3 records
Meridian Mortgages financial estimates
Financial estimateRevenue estimate
Valuation estimate
Meridian Mortgages leadership team
Management profileNumber of profiles
Meridian Mortgages funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Meridian Mortgages M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Meridian Mortgages
What does Meridian Mortgages do?
Meridian Mortgages provides expert mortgage advice to individual consumers in Leicester and surrounding areas, covering residential purchases, new build financing, and remortgages. As an appointed representative of Mortgage Advice Bureau, it offers access to thousands of mortgage products across the UK, including exclusive deals, alongside protection insurance products and digital mortgage planning tools such as the Home Buying App.
Is Meridian Mortgages a public or private company?
Meridian Mortgages is a private company. It is classified as corporate owned and is currently operating.
When was Meridian Mortgages founded?
Meridian Mortgages was founded in 1998. It employs 51 to 100 people.
Where is Meridian Mortgages based?
Meridian Mortgages is headquartered in Leicester, United Kingdom, in the Europe region.
How does Meridian Mortgages make money?
Two revenue lines are on record. Mortgage Advice Fees are the primary driver. The others are mortgage Arrangement/Product Fees.
Who are Meridian Mortgages's main competitors?
Direct peers on record are Openwork, Sesame Bankhall Group (Sesame Network), London & Country Mortgages, Primis Mortgage Network, Mortgage Advice Bureau, Trussle, Habito and John Charcol. Broad incumbents are Countrywide (Connells subsidiary) and Connells Group.
Does Meridian Mortgages have an API?
No public API is recorded for Meridian Mortgages.
What industry is Meridian Mortgages in?
Meridian Mortgages's product category is Mortgage Advisory Services. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 522310 and its SIC code is 6163.