HL Partnership
HLPartnership is a UK mortgage and protection network founded in 2003 that provides appointed representative advisers with FCA-regulated permissions, a bespoke CRM-integrated technology platform, compliance support, marketing services, and access to a multi-lender product panel.
- Company typePrivate
- Founded2003
- HeadquartersChichester, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingServices
What HL Partnership does
HLPartnership Limited is a UK mortgage and protection network that supports more than 1,000 appointed representative (AR) advisers across the country, providing the regulatory permissions, infrastructure, and services they need to operate compliantly. The company was founded in 2003 (with one source citing 2001), is FCA-authorised (FS Register 303397), and is headquartered in Leicester with additional offices in Chichester and Alcester. Its members specialise in residential and buy-to-let mortgages, protection, general insurance, and later life lending, and the company recruits ARs across the full career lifecycle, from new entrants seeking network-backed launch, to directly authorised advisers converting to AR status, to established firms switching networks.
The core product is a bespoke technology platform built around 360DotNet as the CRM foundation, integrated with Twenty7Tec for mortgage sourcing, iPipeline for protection workflows, MBT for affordability assessments, and DigitalMove (ULS Technology) for online conveyancing. The platform includes dedicated features such as a mortgage-maturity pipeline tracker and Limited Company Buy-to-Let tooling. This technology stack is wrapped by a compliance team that delivers proactive guidance and audits, an award-winning marketing operation (branded newsletters covering over 4 million emails per year, a pre-approved marketing library, and a Business Booster programme), and a business development function staffed by Regional Sales Managers and a dedicated recruitment team. The product proposition extends across 70+ residential lenders, 60+ buy-to-let lenders, later life, bridging, protection, and general insurance providers.
HLPartnership earns revenue through recurring network membership fees paid by AR firms and through commission arrangements with its lender and provider panel. Distribution is exclusively UK-domestic, executed via direct field sales and a dedicated recruitment team (including Toby Miles as Recruitment Manager and Matthew Creswell as Senior Recruitment Manager, South), with no public pricing and no consumer-facing channel. In 2024, BetterHome Group made a strategic investment in the company, and in 2025 HLPartnership was confirmed as the fastest-growing UK mortgage network, adding a net 54 AR firms during the year.
HL Partnership firmographics
Firmographics- Name
- HL Partnership
- Legal name
- HLPartnership Limited
- Website
- https://hlpartnership.co.uk
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- HLPartnership is a UK mortgage and protection network founded in 2003 that provides appointed representative advisers with FCA-regulated permissions, a bespoke CRM-integrated technology platform, compliance support, marketing services, and access to a multi-lender product panel.
- Ownership category
- akta.pro rank
HL Partnership industry classification
Industry- Product category
- Mortgage Network Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292), Activities Related to Credit Intermediation (5223)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
- akta.pro secondary industries
- Independent Broker-Dealers (Retail Network) (FSAAAAAC), B2B Channel Partners & Referral Agencies (Cross-Industry Referral) (FSAEAMAN)
Keywords
Where HL Partnership is headquartered
LocationHeadquarters
- HQ city
- Chichester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
HL Partnership business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Network Membership Fees: HLPartnership charges membership/network fees to appointed representative firms for access to their technology platform, compliance support, marketing services, lender panel access, and other network services. The network has been growing with a net increase of 54 appointed representative firms during 2025.
- Lender Panel Access and Commissions: The network provides advisers access to an extensive panel of residential mortgage lenders, buy-to-let lenders, later life lenders, bridging lenders, protection providers, and general insurance providers, generating revenue through arrangements with these product providers.
Go-to-market motion2 records
Distribution channels1 record
Marketing channels9 records
HL Partnership product offering
Product offeringCore offering
HLPartnership operates a mortgage and protection network in the UK that provides appointed representative (AR) adviser firms with a bespoke technology platform (CRM, sourcing, protection processing), FCA compliance support, award-winning marketing services, and access to an extensive panel of residential, buy-to-let, later life, bridging, protection, and general insurance lenders. Members pay network fees and benefit from lender panel arrangements, enabling them to operate their advisory businesses without the full regulatory burden of direct authorisation.
Product overview
HLPartnership is a mortgage and protection network offering a unified platform combining bespoke technology (built around 360DotNet CRM, Twenty7Tec sourcing, and iPipeline for protection), compliance support, award-winning marketing services, and comprehensive product access across residential mortgages, buy-to-let, later life lending, regulated bridging, protection, general insurance, and specialist finance. The network supports over 1,000 advisers and more than 60 lender partners. Its technology ecosystem integrates mortgage sourcing (Twenty7Tec), CRM (360DotNet), protection processing (iPipeline), affordability tools (MBT), and conveyancing (DigitalMove via ULS Technology) into a cohesive adviser workflow.
Differentiator
Problem solved
Functional benefit
Products and services
- Bespoke Technology Platform A tailor-made, bespoke technology platform built in collaboration with members, giving adviser firms full control over their business through integrated CRM, mortgage sourcing, protection processing, affordability tools, and conveyancing capabilities. Designed for UK mortgage and protection adviser firms.
- Compliance Support Proactive FCA compliance guidance, regular audits, and up-to-date regulatory knowledge provided by a dedicated compliance team. Helps adviser firms navigate regulatory challenges and ensure compliant mortgage and protection advice.
- Marketing Services Award-winning professional marketing support including branded client newsletters (4M+ emails/year), pre-approved marketing library, Business Booster programme, social media templates, and educational resources. Designed for UK mortgage and protection adviser firms to grow client engagement within FCA-compliant guidelines.
- Product Proposition (Lender Panel Access) Access to an extensive lender and provider panel covering residential mortgages, buy-to-let, later life lending, regulated bridging loans, protection products, general insurance, and specialist finance. Allows adviser firms to source a wide range of products for their clients.
- Business Development Support Experienced Regional Sales Managers and Training team working with adviser member firms to identify growth opportunities, overcome challenges, and achieve long-term business goals. Includes dedicated recruitment and ongoing member engagement support.
- Events and Training Flagship National Conference, regional workshops covering technology and marketing topics, and ongoing CPD-accredited training to keep adviser members ahead of industry trends and regulatory requirements.
Quantifiable outcome
- £520 million completed mortgage business in single month (July 2019)
- +4 more outcomes
Companies that use HL Partnership
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles4 records
HL Partnership technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
HL Partnership partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- Afin BankcoreAfin Bank was added to HLPartnership's lender panel in April 2026, giving advisers access to a lender supporting a broad range of borrower circumstances including first-time buyers, self-employed applicants, professionals, high-net-worth clients, and foreign nationals. Offers residential lending up to 95% LTV and buy-to-let products up to 75% LTV.
- NexpadcoreNexpad is a national mortgage brokerage founded by Stuart Dare, former Managing Director of Mortgage Services at Connells Group, that launched with both eXp UK contract and joined HLPartnership in March 2026.
- Legal & General (SmartrCriteria)corePartnership with Legal & General to simplify access for advisers using SmartrCriteria and SmartrFit search tools, streamlining criteria searches for the network's advisers.
- Mortgage Broker Tools (MBT)supportingPartnership to provide members with a free three-month trial of the MBT Affordability tool, giving advisers access to affordability assessment capabilities.
- Twenty7TeccoreIntegration of Twenty7Tec as the mortgage sourcing system within the HLPartnership technology platform, enabling mortgage sourcing and application uploads to lenders.
- 360DotNetcoreCore CRM platform powering the HLPartnership technology system, enabling member firms to manage client relationships, track deals, and maintain compliance records.
- iPipelinesupportingIntegration of Solution Builder into the protection proposition alongside investment to deliver efficiencies in the general insurance sales process.
- ULS Technology (DigitalMove)supportingPartnership to launch DigitalMove, an online conveyancing platform that removes the need for paper starter packs using technology for seamless property transaction processing.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
HL Partnership competitors and assessment
Company assessmentDirect peers
- Mortgage Advice Bureau (MAB): UK mortgage broker and network with a large directly-authorised adviser base and substantial lending volumes. Comparable in scale, target customer (UK mortgage advisers), and reliance on lender panel economics, though MAB operates with a different ownership structure (publicly listed).
- Paradigm Mortgage Services: UK mortgage, protection, and GI network supporting ARs with lender access, compliance, and technology. Direct competitor to HLPartnership in the AR-recruitment space and comparable in adviser scale.
- Tenet Group: UK financial services network supporting mortgage, protection, and GI advisers through AR and DA propositions. Comparable in network structure, lender panel breadth, and compliance support services.
- Primis (now part of Pivotal Growth): UK mortgage and protection network providing AR support, lender panel access, and technology to intermediary firms. Direct competitor in the same network-of-ARs segment with comparable product breadth and adviser recruitment motions.
- Openwork Group: One of the largest UK mortgage and protection networks supporting thousands of advisers. Directly comparable in business model (AR network, lender panel access, compliance umbrella, technology) and adviser scale, making it HLPartnership's most direct competitor for AR recruitment.
- Stonebridge (now part of Openwork): UK mortgage and protection network that consolidated into Openwork; historically a direct AR-network competitor with similar lender panel and compliance service offerings to HLPartnership.
- Sesame (now part of Openwork): UK mortgage, protection, and GI network historically operating as a direct competitor to HLPartnership before consolidation. Comparable in AR network model, lender panel breadth, and adviser support services.
Broad incumbents
- Connells Group: Large UK estate agency and financial services group that owns networks and intermediary support businesses. Comparable in mortgage distribution scale and AR support, but operates as a broad incumbent across multiple financial services verticals.
- Legal & General Mortgage Club: Lender-owned mortgage club providing intermediary access to L&G products alongside broader market sourcing. Comparable in lender-intermediary aggregation but operates as a broad incumbent with club-style economics rather than a specialist network.
Others
- The Mortgage Lender (TML): UK specialist mortgage lender that distributes primarily through intermediary networks including HLPartnership. Adjacent value-chain participant (lender rather than network) — useful comparison for lender panel economics and distribution dependence on networks.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights8 records
Customer concentration
HL Partnership social profiles
Digital presenceHL Partnership compliance and trust
Trust signalCompliance1 record
HL Partnership financial estimates
Financial estimateRevenue estimate
Valuation estimate
HL Partnership leadership team
Management profileNumber of profiles
Profiles7 records
HL Partnership funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HL Partnership 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 HL Partnership
What does HL Partnership do?
HLPartnership operates a mortgage and protection network in the UK that provides appointed representative (AR) adviser firms with a bespoke technology platform (CRM, sourcing, protection processing), FCA compliance support, award-winning marketing services, and access to an extensive panel of residential, buy-to-let, later life, bridging, protection, and general insurance lenders. Members pay network fees and benefit from lender panel arrangements, enabling them to operate their advisory businesses without the full regulatory burden of direct authorisation.
Is HL Partnership a public or private company?
HL Partnership is a private company. It is classified as management employee owned and is currently operating.
When was HL Partnership founded?
HL Partnership was founded in 2003. It employs 101 to 250 people.
Where is HL Partnership based?
HL Partnership is headquartered in Chichester, United Kingdom, in the Europe region.
How does HL Partnership make money?
Two revenue lines are on record. Network Membership Fees are the primary driver. The others are lender Panel Access and Commissions.
Who are HL Partnership's main competitors?
Direct peers on record are Mortgage Advice Bureau (MAB), Paradigm Mortgage Services, Tenet Group, Primis (now part of Pivotal Growth), Openwork Group, Stonebridge (now part of Openwork) and Sesame (now part of Openwork). Broad incumbents are Connells Group and Legal & General Mortgage Club. The Mortgage Lender (TML) is listed as an others.
Does HL Partnership have an API?
No public API is recorded for HL Partnership.
What industry is HL Partnership in?
HL Partnership's product category is Mortgage Network Services. Its primary akta.pro industry code is FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial), with a secondary code of FSAAAAAC, Independent Broker-Dealers (Retail Network). Its NAICS code is 522310 and its SIC code is 6162.