What Rose Capital Partners does

Rose Capital Partners (trading as RCP Mortgages) is a London-based specialist mortgage brokerage serving UK consumers with complex income situations. Founded circa 2016 by Richard Campo — an industry veteran active since 1999 — the firm operates as an Appointed Representative of FCA-regulated New Leaf Distribution Ltd (FCA Number 460421), with its main office at Berkeley Square House, Mayfair. The company's core offering is consultative mortgage advice across a broad product catalogue that spans standard residential mortgages (first-time buyer, home mover, remortgage, new build, self-build), buy-to-let and portfolio landlord finance, and a deep specialist suite covering self-employed, contractor, company director, expat, foreign national, sports professional, and legal professional borrowers, plus high net worth and million-pound mortgage cases routed through private bank channels. The firm also distributes protection insurance (life, critical illness, income protection, mortgage protection) as complementary add-on products.

The business model is fee- and commission-based advisory: clients pay a typical mortgage advice fee of £495 (rising to ~1% of loan value for complex cases) and the firm additionally receives procuration fees from lenders on completed cases, with both disclosed to clients. There is no proprietary technology platform; operations run on standard sourcing, application management, and Calendly-based booking workflows. GTM is sales-led and content-supported — direct advisory consultations, an educational content library (podcasts, FAQs, mortgage market updates), an active social presence across LinkedIn, Facebook, Twitter/X, and Instagram, and referral/introducer partnerships including sponsorship of Wimbledon Football Club. The firm does not operate outside the UK regulatory perimeter and explicitly restricts advice to UK-based consumers.

RCP is privately held with no external funding, subsidiaries, M&A activity, or regulatory actions on record. Headcount sits in the 11-50 range, ownership is founder-led, and the firm competes within the UK intermediary channel — where, per IMLA data cited in source material, 87% of mortgages already flow through brokers and the figure is projected to reach 91% by 2026.

Name

Rose Capital Partners

Legal name

Richard Campo, trading as RCP Mortgages

Website

https://rosecp.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Rose Capital Partners is a London-based specialist mortgage brokerage serving UK consumers with complex income situations (self-employed, contractors, company directors, expats, sports professionals, and HNW borrowers), operating as an Appointed Representative of FCA-regulated New Leaf Distribution Ltd.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

Keywords

• Mortgage brokerage
• Specialist mortgages
• Complex income lending
• Buy-to-let mortgages
• Mortgage advisory services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

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 Fees: Rose Capital Partners charges fees for mortgage advice and arrangement services. The company charges a typical fee of £495 for mortgage advice, with some cases attracting fees up to 1% of the mortgage amount depending on complexity and individual circumstances.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Rose Capital Partners is a London-based specialist mortgage broker that advises and arranges residential, buy-to-let, and complex-income mortgages (including self-employed, contractor, company director, expat, foreign national, sports professional, solicitor, and high-net-worth categories) as well as protection insurance products. The firm acts as an Appointed Representative of New Leaf Distribution Ltd (FCA-authorised), sourcing mortgage products from a wide panel of UK lenders and charging clients advisory fees, supplemented by lender procuration commissions.

Product overview

Rose Capital Partners operates as a London-based mortgage brokerage offering a comprehensive suite of mortgage products and financial protection services. The core offering consists of specialized mortgage products for complex income situations including first-time buyers, buy-to-let investors, self-employed individuals, company directors, expats, foreign nationals, sports professionals, and legal professionals. The portfolio includes standard residential mortgages alongside niche products such as bridging loans, interest-only mortgages, large mortgage loans, and high net worth mortgage solutions. Protection products including life insurance, income protection, critical illness cover, and mortgage protection are offered as complementary add-on services. The company trades under the trading name RCP Mortgages and operates as an Appointed Representative of New Leaf Distribution Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Service (whole-of-market broker) Whole-of-market mortgage advisory service: client fact-finding, lender matching, application management, and arrangement of mortgages across residential, buy-to-let, and specialist categories for individual consumers in the UK.
• First Time Buyer Mortgages Mortgage products arranged via the broker for individuals purchasing their first property, with specialist criteria and advisory support for first-time buyers.
• Buy To Let Mortgages Mortgage products arranged via the broker for landlords purchasing or refinancing investment property, including portfolio landlord, limited company BTL, HMO, and let-to-buy structures.
• Home Movers Mortgage Mortgage products arranged via the broker for individuals moving from one property to another, covering upsizing scenarios.
• Remortgage Refinancing products arranged via the broker for clients switching lender, raising capital for home improvements, or restructuring through limited companies.
• New Build Mortgages Specialist mortgage products arranged via the broker for newly constructed properties.
• Self-Build Mortgage Mortgage products arranged via the broker for individuals building their own homes from scratch, with stage-payment release structures.
• Divorce Mortgage Specialist mortgage advisory arranged via the broker for individuals handling property finances during divorce proceedings.
• Bridging Loans Short-term financing arranged via the broker for property purchases and property chain breaks, including bridging loans for house purchase.
• Self Employed Mortgages Mortgage products arranged via the broker for self-employed individuals — sole traders, contractors, those with complex shareholding arrangements, and joint self-employed applications.
• Large Mortgage Loans Higher-value mortgage products arranged via the broker for borrowers with bonus income, commission income, and complex income scenarios.
• UK Expat Mortgages Mortgage products arranged via the broker for UK nationals living and working abroad who wish to purchase property in the UK.
• Mortgage for Foreign Nationals Mortgage products arranged via the broker for non-UK residents and foreign nationals purchasing UK property.
• Private Bank Mortgage Broker Access arranged via the broker to private banking mortgage products for high-value lending situations.
• Company Director Mortgages Mortgage products arranged via the broker for company directors, including retained profit and dividend mortgage options and LLP partner mortgages.
• High Net Worth Mortgages Premium mortgage products arranged via the broker for high net worth individuals, including complex income, high LTV, and million pound mortgage options.
• Million Pound Mortgage High-value mortgage products arranged via the broker for loans exceeding £1 million, typically through private banking channels with bespoke lending structures.
• Mortgages for Sports Professionals Specialist mortgage products arranged via the broker for professional athletes with irregular income patterns, endorsement earnings, and career transition considerations.
• Mortgages for Solicitors, Lawyers and Barristers Specialist mortgage products arranged via the broker for legal professionals, including those in LLP structures and self-employed barristers.
• International Purchases Mortgage products arranged via the broker for purchasing property outside the UK.
• Interest-Only Mortgages Mortgage products arranged via the broker where borrowers pay only interest during the term, with various repayment strategies.
• Mortgage Protection Insurance products arranged via the broker to protect mortgage payments in case of death, illness, or inability to work.
• Life Insurance Life cover policies arranged via the broker that pay out a lump sum to beneficiaries upon death, including inheritance tax planning considerations.
• Income Protection Insurance arranged via the broker that replaces income when the policyholder is unable to work due to medical conditions, covering mental health and musculoskeletal disorders.
• Critical Illness Cover Insurance arranged via the broker that pays out a lump sum upon diagnosis of serious illnesses such as heart attack, cancer, stroke, or multiple sclerosis.

Quantifiable outcome

• 87% of UK mortgages go through brokers; RCP provides access to exclusive rates and preferential treatment not available to direct customers

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• New Leaf Distribution LtdcoreStrategic or Co-development PartnerRCP Mortgages is an Appointed Representative of New Leaf Distribution Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 460421). The parent company jointly determines purposes and means of processing personal client data for core advice-giving activities.

Scale indicators4 records

Recent moves5 records

Expansion highlights2 records

Direct peers

• Coreco: Specialist UK mortgage broker serving high-net-worth, professional, and complex income borrowers. Directly comparable target segments (lawyers, accountants, company directors) and product set.
• John Charcol: Long-established London-based specialist mortgage broker serving complex income, self-employed, professional, and HNW borrowers. Directly comparable specialist advisory model and customer overlap with Rose Capital Partners.
• Private Finance: UK specialist mortgage broker with deep focus on complex income, large loans, and HNW clients. Comparable in product breadth (residential, BTL, large loans) and consultative advisor-led distribution.
• SPF Private Clients: UK specialist mortgage broker focused on HNW borrowers and complex income situations, including expat, contractor, and self-employed cases. Closely mirrors RCP's specialist proposition and target customer base.

Broad incumbents

• London & Country Mortgages (L&C): UK's largest fee-free mortgage broker offering whole-of-market advice across residential, BTL, and remortgage products. Comparable in distribution model but operates at much greater scale and across a broader (less specialist) customer base.
• HSBC UK Private Bank: Major UK private bank offering million-pound and complex-income mortgages directly to HNW clients. Comparable at the high-net-worth product end where RCP sources private-bank lending structures, but competes for the same affluent customers.

Emerging players

• Better.co.uk: Online-first UK mortgage broker (formerly Better Mortgage) using technology to streamline the standard mortgage journey. Comparable UK broker channel but targets the digital-native, less-complex end of the market where RCP is also exposed.
• Habito: UK digital mortgage broker and lender offering online mortgage advice and execution. Comparable as a UK mortgage intermediary but differentiates on a tech-led, self-service model that competes for RCP's simpler cases.
• Trussle: UK online mortgage broker using automated lender matching for standard residential and remortgage products. Overlaps with RCP at the standard-case end and represents the fintech direction the broader broker channel is moving.

Others

• New Leaf Distribution Ltd: FCA-authorised principal for whom Rose Capital Partners operates as Appointed Representative. Relevant as the regulatory umbrella / parent of record rather than as a competitor; provides the compliance framework RCP distributes under.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/partnersrose
• Facebookfacebook.com/rosecapitalpartners
• LinkedInlinkedin.com/company/rose-capital-partners
• Instagraminstagram.com/Rosecapitalpartners

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Rose Capital Partners