Peak Mortgages & Protection

What Peak Mortgages & Protection does

Peak Mortgages & Protection is a UK-based independent mortgage and protection advisory firm headquartered in Belper, Derbyshire, founded in 2019. It operates as a trading style of Mortgage 1st Limited, an appointed representative of Stonebridge Mortgage Solutions Limited (FCA reference 484231), and is affiliated with the Openwork Partnership, which provides access to an exclusive lender and insurer panel offering products not available on the high street. The firm serves individual consumers across six core segments: first-time buyers, home movers, remortgage customers, buy-to-let investors, customers with complex financial situations (self-employed, bad credit, shared ownership), and protection seekers. Distribution is delivered through a team of personal mortgage and protection advisers based in Belper, Chesterfield, Swadlincote and Lichfield, with in-person consultations at the Belper headquarters (informally called Peak Towers), video consultations nationwide, and home visits across Derbyshire.

The core product set is mortgage advisory across the full residential and buy-to-let lifecycle, complemented by a protection advisory suite that includes life insurance, critical illness cover, income protection, sports injury insurance and personal accident insurance. The underlying technology is standard independent mortgage broker tooling — specialist mortgage search and lender comparison systems — with no proprietary technology, API or mobile app disclosed. Marketing is multi-channel, combining an active blog, social media presence on Instagram (2.3K followers), Facebook, LinkedIn and TikTok, local sports sponsorships (Belper Meadows Cricket Club, Belper Rugby Club), charity partnerships (Lauren's Legacy), and a client referral program.

Revenue is generated primarily through commission from lenders and insurers on mortgage and protection product placement, with the firm typically not charging a fee for standard residential mortgage advice. Complex cases may incur a fee ranging from £495 to £999, agreed upfront. Onboarding begins with a free, no-obligation consultation, positioning the firm as a freemium, sales-led advisory practice. The firm has achieved four regional Derbyshire Mortgage Advisers of the Year awards and a customer service commendation, alongside 17 national award finals across British Mortgage Awards, UK Health and Protection Awards, Cover Excellence Awards, and Money Marketing Awards between 2020 and 2022.

Name

Peak Mortgages & Protection

Legal name

Mortgage 1st Limited

Website

https://peakmortgagesandprotection.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Peak Mortgages & Protection is an independent UK mortgage and protection advisory firm based in Belper, Derbyshire, serving first-time buyers, home movers, remortgagors, buy-to-let investors and protection customers across the UK through a network of personal advisers and video consultations.

Ownership category

akta.pro rank

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)

Keywords

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

Headquarters

HQ city

Belper

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Arrangement Commission: Commission from lenders and insurers for arranging mortgage and protection products. Typically do not charge a fee for standard residential mortgage advice.
2. Complex Case Fees: For particularly complex mortgage cases, a fee may be charged. Typical fee is £495, up to £999 depending on circumstances. Fee discussed upfront before application.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Peak Mortgages & Protection is an independent mortgage and protection advisory firm that arranges residential mortgages, remortgages, buy-to-let mortgages, and moving home loans for individual consumers, alongside protection products including life insurance, critical illness cover, and income protection. Services are delivered by a team of personal mortgage and protection advisors based in Derbyshire, with nationwide reach via video consultations, and the firm acts as an appointed representative of Stonebridge Mortgage Solutions Limited under the Openwork Partnership. Revenue is generated primarily through lender and insurer commissions, with fees of £495–£999 charged on particularly complex cases.

Product overview

Peak Mortgages & Protection operates as an independent mortgage and protection advisory firm offering a unified service platform. The core offering consists of mortgage advisory services (first-time buyer mortgages, moving home loans, remortgaging, and buy-to-let products) complemented by protection products (life insurance, critical illness cover, income protection, sports injury insurance, and personal accident insurance). These services are delivered through their team of advisers in Derbyshire, primarily serving the Belper area and surrounding regions while offering national coverage via video consultations.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Services Independent mortgage advisory services for individual consumers seeking residential mortgages, including first-time buyer, moving home, remortgaging, and buy-to-let products. Delivered by personal mortgage advisors from initial consultation through to completion.
• First-Time Buyer Mortgage Advice Specialised mortgage guidance for first-time buyers, including fixed-rate, variable-rate, and government-backed loans such as Help to Buy and First Home Scheme. Provides personalised advice to help first-time buyers secure the best financing options.
• Loans for Moving Home Mortgage solutions for homeowners transitioning to new properties, including bridging loans, new mortgages, and portable mortgages. Addresses timing issues between sale and purchase.
• Remortgaging Services Expert remortgage advisory to help homeowners switch to better rates, access equity, or consolidate debts. Includes fixed-rate, variable-rate, and tracker mortgage options.
• Buy-to-Let Mortgage Advice Mortgage advisory for property investors purchasing rental properties, covering specialist and limited company buy-to-let mortgages with typical 25%+ deposit requirements.
• Protection Advisory Services Financial protection products including life insurance, critical illness cover, income protection, and accident protection to safeguard clients and families.
• Income Protection Insurance Insurance that pays a portion of salary monthly if the policyholder is unable to work due to illness or injury, designed to cover mortgage payments, bills, and living costs.
• Critical Illness Cover Insurance paying a tax-free lump sum upon diagnosis of a serious illness such as cancer, heart attack, or stroke, intended to cover medical costs and lost income.
• Life Insurance Insurance policies paying a lump sum to beneficiaries upon death, including term life and whole-of-life options for mortgage protection and estate planning.
• Sports Injury Insurance Insurance covering sports-related injuries including medical expenses, disability benefits, and loss of income for amateur and professional athletes.
• Personal Accident Insurance Coverage for accidents resulting in injury, disability, or death, covering medical expenses, disability benefits, and accidental death benefits.

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Openwork PartnershipcoreChannel Partner/ Reseller/ DistributorPeak Mortgages and Protection is an appointed representative through the Openwork Partnership, providing access to their exclusive range of lenders and insurers offering mortgages and mortgage protection products that can't be found on the high street.
• Stonebridge Mortgage Solutions LimitedcoreChannel Partner/ Reseller/ DistributorTrading as Peak Mortgages & Protection through Mortgage 1st Limited which is an appointed representative of Stonebridge Mortgage Solutions Limited, authorised and regulated by the Financial Conduct Authority (FCA reference: 484231).

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Principality Building Society: Wales-based mutual building society offering branch-network mortgage and protection advice with regional brand strength. Comparable mid-sized UK building society competing for regional mortgage customers rather than head-to-head with Peak.
• Nottingham Building Society: Mid-sized UK building society focused on East Midlands mortgage lending and protection distribution. Operates in similar territory to Peak with a regional-lender rather than independent-broker model.

Direct peers

• John Charcol: Long-established UK mortgage broker serving first-time buyers, movers, remortgagors and buy-to-let clients with protection cross-sell. Directly comparable full-service independent broker operating nationally.
• Mortgage Advice Bureau: Public UK mortgage and protection advice network that operates through appointed representatives - the same regulatory model Peak uses via Openwork and Stonebridge. Closest structural analogue to Peak at greater scale.
• London & Country Mortgages: UK's largest independent mortgage broker arranging residential and buy-to-let mortgages nationwide. Direct competitor to Peak in the whole-of-market independent broker category with a similar commission-based model and protection cross-sell.
• Habito: UK digital-first mortgage broker that offers whole-of-market comparison with optional human advice, including protection products. Comparable offering delivered through a non-traditional channel competing for the same UK mortgage customers.
• SPF Private Clients: UK independent mortgage broker specialising in high-net-worth, self-employed, and complex-income residential and buy-to-let cases. Directly comparable on complex-case segment where Peak positions its specialist advisers.
• First Mortgage Direct: UK online mortgage broker operating a whole-of-market independent advisor model covering residential, buy-to-let and protection. Directly comparable independent broker targeting similar self-employed and complex-case segments.

Others

• Openwork Partnership: The UK advice network through which Peak Mortgages operates and accesses its exclusive lender panel. Not a competitor but the channel partner whose product range and support infrastructure underwrites Peak's offering.

Broad incumbents

• Nationwide Building Society: UK's largest building society and the dominant high-street mortgage lender and member-facing advice provider. Overlaps with Peak's residential and first-time-buyer segments as a comparison competitor with direct-lending scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PeakMandP
• LinkedInlinkedin.com/company/peakmortprot
• Instagraminstagram.com/peakmandp
• TikToktiktok.com/@peakmandp

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Peak Mortgages & Protection