Mortgage Plus

What Mortgage Plus does

Mortgage Plus is a UK mortgage and protection brokerage operating as Mortgage Plus (Essex) LLP from Rochford, Essex, founded in 2009 and employing 11-50 staff. The firm is an Appointed Representative of Mortgage Intelligence Ltd, authorised and regulated by the Financial Conduct Authority (reference 305330), which provides the regulatory wrapper for its mortgage, insurance, and consumer credit mediation activities. Its service offering covers first-time buyer, home-mover, remortgage (including debt consolidation), self-employed, buy-to-let, and adverse-credit mortgages, alongside a protection product suite (life insurance, critical illness, income protection, family income benefit). Customers access advice through face-to-face meetings at two Rochford offices, plus telephone, video, WhatsApp, and online booking channels; supporting digital tools include a mortgage calculator, a mortgage best-buys comparison page, and a Prequo-powered online insurance quote widget.

The company's business model combines per-transaction client fees (approximately £399 per mortgage application, partially upfront with the balance on offer or completion) with commission income from its 30+ lender panel — which includes HSBC, Barclays, Nationwide, Santander, NatWest, Virgin Money, Metro Bank, TSB, M&S Bank, and several building societies and specialist lenders — and insurance product commissions from its panel of protection providers. A £75 bilateral referral reward program (referrer and referee) structures word-of-mouth acquisition, while content marketing, Trustpilot reviews, and local SEO targeting the Rochford/Essex market drive top-of-funnel demand. The company does not operate any proprietary technology platform; its competitive position rests on advisor-led relationships, panel breadth, and post-completion engagement mechanisms such as the Remortgage Promise (which monitors rates and switches customers at no cost if better deals emerge before completion).

Go-to-market is sales-led and relationship-driven, with the leadership team (co-founders Russell Parker and Stewart Pitt) and named advisors (Susan, Natalie, Debbie, Yasmin, Melissa) acting as the primary customer interface. Customers are exclusively individual retail consumers across England, served through a hybrid online/offline journey, and the firm reports having assisted "thousands of people" over its operating history. The legal entity is a Limited Liability Partnership, suggesting partner-owned structure with no disclosed venture capital, private equity, or institutional ownership.

Name

Mortgage Plus

Legal name

Mortgage Plus (Essex) LLP

Website

https://mortgageplus.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Plus is a Rochford, Essex-based mortgage and protection brokerage (operating as Mortgage Plus (Essex) LLP) advising individual UK consumers on first-time buyer, remortgage, buy-to-let, self-employed, and adverse-credit mortgages, plus life and protection insurance, via a 30+ lender panel and FCA-regulated Appointed Representative status under Mortgage Intelligence Ltd.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAEAA

Residential Mortgage Brokerage (Purchase & Refinance)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSALABAJ

Mortgage Comparison, Marketplace & Rate-Shopping Platforms

Financial & Insurance/Mortgage & Housing Finance/Mortgage Brokerage & Intermediaries

SECONDARYFSALABAI

Mortgage Lead Generation & Marketing Intermediaries

Financial & Insurance/Mortgage & Housing Finance/Mortgage Brokerage & Intermediaries

Keywords

• Mortgage brokerage
• Remortgage advice
• Protection insurance
• Buy-to-let mortgages
• First-time buyer mortgages

Headquarters

HQ city

Rochford

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Arrangement Fees: Fees charged upon submission of a mortgage application. The company estimates fees will be approximately £399 depending on circumstances. Some of this fee is usually paid upfront with the remainder paid upon mortgage offer or completion.
2. Commission from Lenders: Brokers receive commission from mortgage lenders for introducing new mortgage customers, in addition to client fees.
3. Insurance Product Commission: Commission from panel insurance providers for placing protection products including life insurance, critical illness cover, income protection, and family income benefit.
4. Referral Rewards Program: Upon completion of a mortgage or life insurance policy, both the referrer and referee receive £75 each. This incentivizes word-of-mouth referrals.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Mortgage Plus is a UK mortgage and protection brokerage that advises individual consumers on home purchases, remortgages, and related protection insurance products. The firm sources mortgage deals from a panel of 30+ lenders and protection policies from a curated insurance panel, then handles the application, lender liaison, and solicitor coordination through to completion.

Product overview

Mortgage Plus is a mortgage and protection brokerage offering a unified advisory service combining mortgage brokerage and insurance protection products. Their core offering consists of mortgage advisory services (first time buyer mortgages, homemover mortgages, remortgages including debt consolidation, self-employed mortgages, buy-to-let mortgages, and missed payments support) alongside complementary protection products (life insurance, critical illness cover, income protection, and family income benefit). The company provides supporting tools including a mortgage calculator, mortgage best buys comparison tool, and online insurance quote functionality. Services are delivered through in-person meetings at their Rochford office or via video/telephone appointments, with guidance through the entire mortgage application process from initial search through to completion. They operate as an Appointed Representative of Mortgage Intelligence Ltd, authorised and regulated by the FCA.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages (general mortgage advisory) Core mortgage advisory and brokerage service for individual consumers, helping customers find the best mortgage deal from a panel of 30+ lenders, completing paperwork, submitting applications, and guiding customers through the legal process until completion.
• First Time Buyer Mortgages Specialised mortgage advisory service for first-time buyers, offering guidance on deposit requirements, lender criteria, and the entire home purchase process from initial search through to completion.
• Moving Home Mortgages Mortgage advisory services for customers looking to move home and purchase a new property, including coordination of sale and purchase timing.
• Remortgages Remortgaging services to help customers switch from their current lender to a better mortgage deal, including equity release options and debt consolidation.
• Self Employed Mortgages Mortgage advisory services tailored for self-employed individuals, contractors, freelancers, and company directors who may have non-standard income documentation.
• Buy to Let Mortgages Mortgage products and advisory services for landlords purchasing or remortgaging rental properties.
• Missed Payments Mortgages Advisory services for customers who have missed mortgage payments, helping them understand their options and work with specialist lenders.
• Protection Products (insurance brokerage) Insurance brokerage services offering protection products to safeguard mortgages and families against death, illness, or loss of income.
• Life Insurance Tax-free lump sum insurance payable upon death, designed to pay off mortgages or provide ongoing financial support for families.
• Critical Illness Insurance Tax-free lump sum payment upon diagnosis of a qualifying critical illness such as cancer, designed to pay off mortgages or fund treatment.
• Income Protection Insurance providing regular income stream if the policyholder is unable to work due to illness or injury, covering mortgage payments and bills.
• Family Income Benefit Monthly tax-free income paid to family upon the policyholder's death, providing ongoing financial support to dependents.

Quantifiable outcome

• Customers have reduced mortgage terms by up to 5 years while maintaining same monthly payments
• +1 more outcomes

Named customers6 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

Integration1 record

Feature3 records

Partnerships

20 partnerships are on record, tiered core, major and minor.

• Mortgage Intelligence LtdcoreOthersMortgage Plus (Essex) LLP is an Appointed Representative of Mortgage Intelligence Ltd, which is authorised and regulated by the Financial Conduct Authority under number 305330. This is the regulatory parent relationship enabling Mortgage Plus to conduct mortgage, insurance and consumer credit mediation activities.
• HSBCcoreChannel Partner/ Reseller/ DistributorOne of the major mortgage lenders on Mortgage Plus's panel, offering residential mortgage products.
• BarclayscoreChannel Partner/ Reseller/ DistributorMajor UK bank providing mortgage products through Mortgage Plus's broker panel.
• Nationwide Building SocietycoreChannel Partner/ Reseller/ DistributorMajor building society lender on the mortgage panel.
• SantandercoreChannel Partner/ Reseller/ DistributorMajor UK bank providing mortgage products through the broker panel.
• Virgin MoneycoreChannel Partner/ Reseller/ DistributorLender providing mortgage products through Mortgage Plus's panel.
• Accord MortgagescoreChannel Partner/ Reseller/ DistributorSpecialist mortgage lender on the panel.
• Metro BankcoreChannel Partner/ Reseller/ DistributorChallenger bank providing mortgage products through the panel.
• Coventry Building SocietycoreChannel Partner/ Reseller/ DistributorMajor building society lender included in the mortgage panel.
• Skipton Building SocietycoreChannel Partner/ Reseller/ DistributorBuilding society lender on the mortgage panel.
• Post OfficecoreChannel Partner/ Reseller/ DistributorFinancial services brand offering mortgages through the broker panel.
• TSBcoreChannel Partner/ Reseller/ DistributorUK bank providing mortgage products through Mortgage Plus's panel.
• M&S BankmajorChannel Partner/ Reseller/ DistributorM&S Bank added to the panel in 2019 to expand product offerings.
• Sainsburys BankmajorChannel Partner/ Reseller/ DistributorSainsburys Bank added to the panel in 2019 alongside M&S Bank expansion.
• NatWestcoreChannel Partner/ Reseller/ DistributorRoyal Bank of Scotland Group brand providing mortgages through the panel.
• The Mortgage LendermajorChannel Partner/ Reseller/ DistributorSpecialist lender added to the panel in 2019 to expand the range of mortgage options.
• Bank of IrelandminorChannel Partner/ Reseller/ DistributorNorthern Ireland bank with mortgage products available through the panel.
• Precise MortgagesminorChannel Partner/ Reseller/ DistributorSpecialist lender focusing on specific borrower profiles.
• Bluestone MortgagesminorChannel Partner/ Reseller/ DistributorSpecialist mortgage lender on the panel.
• Insurance Panel ProviderscoreChannel Partner/ Reseller/ DistributorExtensive range of leading insurers providing life insurance, critical illness cover, income protection, and family income benefit products through carefully selected panel.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Mojo Mortgages: UK online mortgage broker providing whole-of-market comparison and advisory services across residential and BTL mortgages, plus protection products. Direct competitor in the same product categories, with a more digital-led customer experience than Mortgage Plus's traditional advisory model.
• Alexander Hall: London-based whole-of-market mortgage broker offering residential, remortgage, BTL, and protection advice. Directly comparable product offering to Mortgage Plus, with a similar advisory-led approach and broad lender panel.
• Habito: UK mortgage broker and digital-first advisory platform offering free mortgage advice and lender comparison across a wide lender panel. Directly competes with Mortgage Plus on residential and remortgage brokerage, though differentiated by a technology-led, online-first delivery model rather than the advisory-led, face-to-face approach used by Mortgage Plus.
• John Charcol: Long-established specialist UK mortgage broker focusing on complex cases including self-employed, contractors, professional, and high-net-worth borrowers. Directly comparable in the specialist-advisory segment Mortgage Plus serves, with deeper specialisation in complex income scenarios.
• London & Country Mortgages (L&C): One of the UK's largest independent mortgage brokers, offering whole-of-market residential, remortgage, BTL, and protection advice. Directly comparable in product breadth (panel of 70+ lenders) and customer segments (first-time buyers, self-employed, BTL), but at materially larger scale than Mortgage Plus.

Broad incumbents

• Openwork: Large UK mortgage and protection network supporting Appointed Representatives across the country. Operates in the same regulatory network structure that Mortgage Plus sits within (Mortgage Intelligence is a comparable network model), but at much larger scale across mortgage, protection, and wealth.
• PRIMIS Mortgage Network: One of the UK's largest mortgage broker networks, supporting hundreds of advisers offering residential, BTL, and protection advice. Directly comparable as a network competitor to Mortgage Intelligence Ltd (Mortgage Plus's principal) and a potential consolidator of regional ARs like Mortgage Plus.
• Mortgage Advice Bureau: AIM-listed UK mortgage broker network with thousands of advisers operating across hundreds of offices. Directly comparable in core mortgage brokerage and protection cross-sell, but at vastly greater scale and with a national franchise model versus Mortgage Plus's single-region operation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/plusmortgage
• LinkedInlinkedin.com/company/mortgageplus-co-uk

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Plus