Chartwell Funding
Chartwell Funding is a UK FCA-authorised independent mortgage and insurance broker, founded in 2007 and based in Yate, Bristol, serving individual retail borrowers and small-scale landlords with access to 90+ lenders across residential, buy-to-let, specialist, and protection lines.
- Company typePrivate
- Founded2007
- HeadquartersYate, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Chartwell Funding does
Chartwell Funding Limited is a privately held, FCA-authorised (reference 458223) independent mortgage and insurance intermediary headquartered in Yate, Bristol, England, founded in January 2007 by Managing Director Robert Winfield. The firm operates as a whole-of-market broker with access to over 90 mortgage lenders, including high-street banks (Santander, NatWest, Barclays, Nationwide, HSBC, Halifax, Metro Bank) and specialist lenders (Pepper Money, Kensington, Precise, West Brom, Coventry, Leeds building societies), and claims to secure over £300m per year in mortgage funds for clients. Its product portfolio spans residential purchase, remortgage, buy-to-let, bridging finance, impaired credit, second charge mortgages, and a whole-of-market insurance offering covering buildings, contents, and financial protection (life assurance, critical illness, income protection). Revenue is generated from three streams: client-paid mortgage advice fees (up to 1% of mortgage amount, typically £299), procuration fees paid by lenders upon mortgage placement, and commission from insurance providers, with fees and commission disclosed in writing to clients before completion.
The business model is centred on a telephone- and postal-based advisory service delivered by a team of approximately 24 staff, with no proprietary technology disclosed. Operational systems include Acre as CRM, Iress as the mortgage sourcing platform, and various insurance/legal partner integrations (Uinsure, Source, Bluedrop for general insurance; XYZ Legal, GOTO Conveyancing, Lightfoots, Lets Move, E-conveyancer for legal; GOTO Surveys for surveys). Marketing relies on educational blog content, organic social (Facebook, X/Twitter, LinkedIn, YouTube), and 500+ online reviews (350+ five-star) as the principal lead-generation and trust signals. Distribution is exclusively domestic, limited to England.
The firm is founder-owned with no institutional capital, no subsidiaries, no M&A activity, no funding rounds, and no disclosed private equity or venture capital involvement. Its primary competitive advantages are the breadth of its lender panel (including specialist lenders), the tenure of its advisor team (over 185 combined years of industry experience), and its accumulated customer reputation. Customer concentration is by definition low because all clients are individual retail borrowers across diversified segments — first-time buyers, remortgagors, buy-to-let investors, impaired-credit borrowers, and bridging finance users — though concentration of revenue exposure to the UK mortgage origination cycle is a structural feature of the business.
Chartwell Funding firmographics
Firmographics- Name
- Chartwell Funding
- Legal name
- Chartwell Funding Limited
- Website
- https://chartwellfunding.co.uk
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Chartwell Funding is a UK FCA-authorised independent mortgage and insurance broker, founded in 2007 and based in Yate, Bristol, serving individual retail borrowers and small-scale landlords with access to 90+ lenders across residential, buy-to-let, specialist, and protection lines.
- Ownership category
- akta.pro rank
Chartwell Funding industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mini-Correspondent / Table Funding Programs (FSALACAC)
Keywords
Where Chartwell Funding is headquartered
LocationHeadquarters
- HQ city
- Yate
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Chartwell Funding business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Advice Fees: Fees charged directly to clients for mortgage advice services. The fee is up to 1% of the mortgage amount but a typical fee is £299.
- Procuration Fees from Lenders: The company receives a procuration fee from mortgage lenders when a mortgage is placed. The amount is confirmed in writing before the mortgage is taken out.
- Insurance Commission: Income derived from commission paid by insurance companies with whom they place client business. Clients receive a quotation when considering a particular insurance plan which will tell them about any fees relating to it.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Mortgage advice fee - up to 1% of mortgage amount |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Chartwell Funding product offering
Product offeringCore offering
Chartwell Funding is an independent mortgage and insurance intermediary that searches the whole market to find suitable property finance and insurance products for individual consumer circumstances. The firm provides mortgage advice across residential purchase, remortgage, buy-to-let, bridging finance, impaired credit, and second charge mortgage segments, leveraging access to over 90 mortgage lenders including specialist providers not available on the high street. The company also arranges buildings, contents, and financial protection insurance through whole-of-market advice, generating revenue from client fees plus lender procuration fees and insurer commissions.
Product overview
Chartwell Funding is an independent mortgage and insurance broker offering a comprehensive range of property finance and insurance services. The core offering centers on mortgage advisory services with access to over 90 different lenders, including specialist and high-street providers. The product portfolio includes residential mortgages (buying a home, remortgaging), investment mortgages (buy-to-let), specialist lending (bridging finance, impaired credit mortgages, second charge mortgages), and insurance products (financial/mortgage protection, home insurance). The company also provides a client portal for existing customers to manage their accounts. The business operates as a whole-of-market adviser, searching across the entire market to find appropriate products for individual circumstances.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage Advice Services Independent mortgage advisory covering buying a home, remortgaging, and specialist lending scenarios, with access to over 90 different mortgage lenders including high-street banks, building societies, and specialist lenders not available on the high street. Targeted at individual consumers seeking residential mortgage solutions in England.
- Buy-to-Let Mortgages Mortgage solutions for property investors purchasing their first investment property, expanding their portfolio, borrowing more, or renewing existing buy-to-let deals, using Chartwell's access to specialist BTL lenders.
- Bridging Finance Temporary finance solutions offering fast, flexible, and reliable bridging loans for property acquisition needs, particularly useful for auction properties with short completion timeframes (28-day deadlines), un-mortgageable properties, and renovation projects.
- Impaired Credit Mortgages Specialist mortgage solutions designed for individuals with credit history challenges, including those with defaults, County Court Judgments, IVAs, Debt Management Plans, or bankruptcy discharge history, with access to specialist lenders who accept adverse credit.
- Second Charge Mortgages Additional loans secured against property equity, allowing homeowners to access funds while keeping their existing primary mortgage unchanged, useful for home improvements, debt consolidation, or large purchases without disturbing the primary mortgage rate.
- Financial Protection (Mortgage Protection) Insurance products covering mortgage payments in case of unforeseen circumstances including life assurance, family income benefit, critical illness cover, and income protection insurance, sourced across the entire market.
- Home Insurance Whole-of-market buildings and contents insurance offering, with buildings cover typically required by mortgage lenders and contents cover to protect personal belongings. Only 5-star Defaqto-rated products are recommended.
Quantifiable outcome
- Over £300m per year in funds secured for clients
- +2 more outcomes
Companies that use Chartwell Funding
Customer profileNamed customers6 records
Segments7 records
Ideal customer profiles7 records
Chartwell Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Chartwell Funding partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- AcrecoreCRM and customer relationship management system used by Chartwell Funding to manage client interactions and business processes.
- IresscoreMortgage sourcing system used to search and identify suitable mortgage products from across the market.
- XYZ LegalminorLegal services provider for conveyancing and property legal matters.
- GOTO ConveyancingminorLegal services provider for property conveyancing services.
- Lightfoots SolicitorsminorLegal services firm providing conveyancing and property law services.
- Lets Move Conveyancing LimitedminorLegal services provider specialising in property conveyancing.
- GOTO SurveysminorSpecialist survey instruction provider for property surveys and valuations.
- E-conveyancerminorElectronic conveyancing services provider for property transactions.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Chartwell Funding competitors and assessment
Company assessmentDirect peers
- SPF Private Clients: Specialist UK mortgage broker serving high-net-worth, complex income, and non-standard cases. Comparable to Chartwell's specialist-lender access and complex-case capability.
- Habito: Digital-first UK mortgage broker offering online advice and execution. Comparable as a whole-of-market intermediary, but competes via a digital channel versus Chartwell's telephone/postal model.
- Coreco: Specialist UK mortgage broker focused on high-net-worth, professional, and complex income borrowers. Comparable as a specialist intermediary leveraging whole-of-market access.
- Mortgage Advice Bureau: LSE-listed UK mortgage and protection advice network with hundreds of advisers across the country. Comparable in product breadth and intermediary model, though materially larger in scale.
- John Charcol: Long-established specialist UK mortgage broker with deep expertise in complex and high-value lending. Highly comparable for specialist lender access and complex-case intermediation.
- London & Country Mortgages: UK's largest independent mortgage broker; whole-of-market intermediary offering residential, BTL, and remortgage advice. Closest direct analogue to Chartwell's telephone-based, fee-and-procuration business model.
- Trussle: Online UK mortgage broker focused on remortgaging with automated lender matching. Comparable intermediary activity, but with a younger, technology-led customer experience.
Others
- SimplyBiz: UK support services and compliance platform for mortgage and financial advisers. Comparable ecosystem participant providing back-office, compliance, and lender panel access to intermediaries like Chartwell.
Broad incumbents
- Openwork Partnership: Large UK financial advice and mortgage network supporting thousands of advisers. Comparable in offering intermediary mortgage and protection advice, but at much greater scale and through a network model.
- Quilter Financial Planning: UK wealth manager and advice network with significant mortgage and protection intermediation. Comparable in providing regulated mortgage advice, though mortgages sit alongside a broader wealth advisory proposition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Chartwell Funding social profiles
Digital presenceChartwell Funding compliance and trust
Trust signalCompliance2 records
Chartwell Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chartwell Funding leadership team
Management profileNumber of profiles
Profiles5 records
Chartwell Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chartwell Funding 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 Chartwell Funding
What does Chartwell Funding do?
Chartwell Funding is an independent mortgage and insurance intermediary that searches the whole market to find suitable property finance and insurance products for individual consumer circumstances. The firm provides mortgage advice across residential purchase, remortgage, buy-to-let, bridging finance, impaired credit, and second charge mortgage segments, leveraging access to over 90 mortgage lenders including specialist providers not available on the high street. The company also arranges buildings, contents, and financial protection insurance through whole-of-market advice, generating revenue from client fees plus lender procuration fees and insurer commissions.
Is Chartwell Funding a public or private company?
Chartwell Funding is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Chartwell Funding founded?
Chartwell Funding was founded in 2007. It employs 11 to 50 people.
Where is Chartwell Funding based?
Chartwell Funding is headquartered in Yate, United Kingdom, in the Europe region.
How does Chartwell Funding make money?
Three revenue lines are on record. Mortgage Advice Fees are the primary driver. The others are procuration Fees from Lenders and insurance Commission.
Who are Chartwell Funding's main competitors?
Direct peers on record are SPF Private Clients, Habito, Coreco, Mortgage Advice Bureau, John Charcol, London & Country Mortgages and Trussle. SimplyBiz is listed as an others. Broad incumbents are Openwork Partnership and Quilter Financial Planning.
Does Chartwell Funding have an API?
No public API is recorded for Chartwell Funding.
What industry is Chartwell Funding in?
Chartwell Funding's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSALACAC, Mini-Correspondent / Table Funding Programs. Its NAICS code is 52231 and its SIC code is 6162.