Independent Mortgage Solutions

What Independent Mortgage Solutions does

Independent Mortgage Solutions (Hampshire) Ltd is a privately held, FCA-authorised independent mortgage brokerage operating in the UK under registration number 457420, with its headquarters in Lymington, Hampshire and a satellite office in London. The firm was established by Managing Director Simon Upton around 2014 with an explicit positioning against transactional brokerage models, instead building long-term advisory relationships with individual and professional clients. The team is small (1–10 employees) and the firm's go-to-market relies almost entirely on word-of-mouth and professional introducer referrals from IFAs, estate agents, solicitors, and City accountancy firms.

The company's core product offering spans residential mortgages (first-time buyers, home movers, remortgages), specialist segments (self-employed, buy-to-let, let-to-buy, commercial), and protection products (life assurance, critical illness, permanent health insurance, buildings and contents). As a whole-of-market broker, the firm accesses High Street lenders, broker-only providers, Private Banks, small building societies, and specialist loan providers, plus exclusive products not available on the open market. Technology is minimal — a standard mortgage calculator on a WordPress-based website and embedded BBC News feed — with no proprietary platform, app, API, or AI capabilities. Revenue is generated through lender commissions and advisory fees on placed business, with no publicly disclosed pricing. The customer base spans multiple personas including first-time buyers, home movers, self-employed borrowers, property investors, and High Net Worth professionals in the legal and financial sectors.

Name

Independent Mortgage Solutions

Legal name

Independent Mortgage Solutions (Hampshire) Ltd

Website

https://imortgagesolutions.co.uk

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Independent Mortgage Solutions is a UK FCA-authorised independent mortgage brokerage providing whole-of-market mortgage and protection advice to individual borrowers, property investors, and High Net Worth professional clients, operating from Lymington and London primarily via word-of-mouth and professional introducer referrals.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage
• Residential mortgages
• Buy-to-let financing
• Protection insurance
• Whole-of-market advisory

Headquarters

HQ city

Lymington

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, Others

Revenue model

1. Mortgage Advisory and Arrangement Services: The company generates revenue through advisory fees and commission arrangements with mortgage lenders for arranging mortgage products. As an FCA-authorised independent mortgage broker, they provide advice across the whole market and receive remuneration from lenders for placed business.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Independent Mortgage Solutions is a UK-based, FCA-authorised independent mortgage broker providing whole-of-market mortgage advice across residential (first-time buyers, home movers, remortgages), specialist (self-employed, buy-to-let, let-to-buy, commercial) and protection segments (life assurance, critical illness cover, income protection, buildings and contents insurance). The firm places business with High Street lenders, broker-only providers, Private Banks, small building societies, and specialist loan providers, including exclusive products not available on the open market, and earns commission from lenders for arranged business.

Product overview

Independent Mortgage Solutions is a UK-based independent mortgage broker offering a unified advisory service for mortgages and protection products. The core offering consists of mortgage broking services across residential (first-time buyers, home movers, remortgages) and specialist segments (self-employed, buy-to-let, let-to-buy, commercial). These are complemented by protection products including life assurance, critical illness cover, permanent health insurance, and buildings/contents insurance. A digital mortgage calculator tool is also provided. The company acts as an intermediary, accessing products unavailable directly in the market including High Street lenders, broker-only providers, Private Banks, building societies, and specialist loan providers.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyers Mortgages

Quantifiable outcome

• Text alerts at crucial application stages keep clients informed
• +2 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• IFAs (Independent Financial Advisers)coreChannel Partner/ Reseller/ DistributorLong-standing professional relationships with IFAs who regularly refer clients to Independent Mortgage Solutions. The company's ethos of treating clients with honesty, professionalism and integrity has gained the trust of these advisers.
• Estate AgentscoreChannel Partner/ Reseller/ DistributorRegular referral relationships with estate agents who recommend the company to clients completing property transactions. Testimonials from estate agents highlight the company's knowledge and ability to help house buyers who had given up with other brokers.
• SolicitorscoreChannel Partner/ Reseller/ DistributorProfessional relationships with law firms, including testimonials from partners at local law firms who regularly refer clients to IMS.
• City Accountancy FirmscoreChannel Partner/ Reseller/ DistributorEstablished referral relationships with City of London accountancy firms. These firms refer clients in the knowledge they will receive appropriate mortgage advice.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• John Charcol: Long-established London-based independent mortgage broker focused on complex, HNW, and professional clients — strongly comparable to IMS's HNW professional positioning in the same geography.
• London & Country Mortgages: Large UK whole-of-market mortgage broker with full advisory service across residential and specialist segments. Closest direct comparator in business model, though much larger in scale than IMS.
• Private Finance: UK mortgage broker specializing in HNW, professional, self-employed, and complex income cases. Comparable niche and whole-of-market access model to IMS.
• SPF Private Clients: Specialist UK mortgage broker serving HNW and professional clients including access to Private Banks. Highly comparable given IMS's stated exclusive access to Private Bank and HNW professional offerings.
• Henry Dannell: Independent UK mortgage broker focused on HNW borrowers, complex income, and self-employed cases. Comparable specialist advisory model targeting professional clientele.
• Enness Global Mortgages: UK-based HNW and international mortgage broker accessing Private Banks and specialist lenders. Direct overlap with IMS's HNW, self-employed, and let-to-buy segments.
• Mortgage Intelligence: UK appointed representative network providing mortgage and protection advisory. Comparable product breadth (mortgage + protection cross-sell) and reliance on professional introducers.

Emerging players

• Habito: Digital-first UK mortgage broker offering whole-of-market comparison online. Represents the fintech disruption threat to traditional independent brokers like IMS, especially in the first-time-buyer segment.
• Trussle: Online UK mortgage broker using technology to match borrowers with lenders. Comparable in product offering (whole-of-market access) but competing via digital UX rather than face-to-face advice.

Broad incumbents

• Ocean Finance / Ocean Mortgages: Established UK retail mortgage broker (part of a wider consumer-finance group). Comparable in residential and remortgage products but operates at much larger scale and broader consumer positioning than IMS.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/imortgagesolutions
• Xx.com/IMSHants
• LinkedInlinkedin.com/company/imortgagesolutions

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 Independent Mortgage Solutions