TFC Homeloans

What TFC Homeloans does

TFC Homeloans, legally constituted as All Money Matters Limited (Companies House registration 8580309, FCA authorisation 628334), is a UK specialist mortgage intermediary founded in 1991 and headquartered in Warrington. The company serves FCA-authorised mortgage brokers and advisers by providing access to a curated panel of 30+ UK lenders across residential, buy-to-let, second charge, bridging, commercial, and complex portfolio lending. Its focus is on non-standard and complex cases—including adverse credit (defaults, CCJs, IVAs, low credit scores, debt management plans), declined mortgages, portfolio landlord lending, HMOs, unconventional construction, and lending into retirement—that mainstream lenders typically decline. The firm rebranded from TFC to All Money Matters in September 2024.

The proprietary 1APP lender portal is the operational backbone: intermediaries enter case data once, run a single Decision in Principle (1DIP) check across the entire panel, and have lender-specific documentation auto-populated. The product set comprises Residential Mortgages, Buy to Let (including HMOs, student lets, limited company), Second Charges, Bridging Finance (rates from 0.43%), Commercial Finance, and Portfolios (with a dedicated portfolio team and multi-portfolio single-application capability). Underlying technology is workflow automation and lender-integration logic rather than AI/ML.

The business model is commission-based: TFC earns transaction fees from lenders on successfully placed cases, charges intermediaries no application fees, and distributes exclusively B2B through the broker network, the 1APP self-service portal, and a refer-a-client program. Go-to-market is sales-led via intermediary relationship management, with content marketing (market news), LinkedIn, and X providing top-of-funnel visibility. The firm is privately held with no disclosed institutional investors, funding rounds, or M&A activity.

Name

TFC Homeloans

Legal name

All Money Matters Limited

Website

https://tfchomeloans.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

TFC Homeloans (trading as All Money Matters) is a UK specialist mortgage intermediary serving FCA-authorised brokers via a 30+ lender panel and proprietary 1APP portal, focused on complex cases including adverse credit, buy-to-let portfolios, bridging, and commercial finance.

Ownership category

akta.pro rank

Product category

Mortgage Intermediary Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Wholesale Lock Desk, Pricing & TPO Support Services (FSALACAJ)

akta.pro secondary industries

Home Equity Loan & HELOC Intermediation (FSAEAEAD), Home Equity & HELOC Intermediaries (FSALABAE), Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation) (FSAKAIAE)

Keywords

• Specialist mortgage lending
• Mortgage intermediary services
• Bridging finance
• Buy to let mortgages
• Adverse credit mortgages

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission (Intermediary): TFC Homeloans earns commission from lenders on successfully placed mortgage cases submitted by intermediaries through their platform. Intermediaries access the lender panel to place specialist cases including adverse credit, complex portfolios, and non-standard property types.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

TFC Homeloans (trading name of All Money Matters Limited) is a UK specialist mortgage intermediary that provides professional mortgage brokers and advisers with access to a panel of more than 30 lenders through its proprietary 1APP portal. The company places cases across residential, buy-to-let, second charge, bridging, commercial, and complex portfolio lending categories, with particular focus on adverse credit, declined mortgages, and non-standard property or borrower situations that mainstream lenders decline.

Product overview

All Money Matters (trading as TFC Homeloans) offers a suite of specialist mortgage and finance products primarily serving UK mortgage intermediaries. The core product portfolio includes six main lending categories: Residential Mortgages (specializing in complex/adverse credit situations), Buy to Let Mortgages (personal and limited company), Second Charges, Bridging Finance (short-term lending from 0.43%), Commercial Finance, and Portfolios. These products are supported by the 1APP technology platform, which provides a unified portal for case submission, DIP access across all lenders, and document population. The company has an established lender panel of over 30 UK lenders and has been supporting brokers since 1991.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Specialist residential mortgage products for borrowers with complex situations including adverse credit, defaults, CCJs, IVAs, low credit scores, debt management plans, late payments, and missed payments, distributed to UK mortgage intermediaries via the 1APP panel.
• Buy to Let Mortgages Buy-to-let mortgage solutions for personal and limited company landlords, covering HMOs, student lets, large loans, and holiday lets/Airbnb properties, sourced from a range of specialist BTL lenders on the panel.
• Second Charges Second charge lending solutions that allow clients to raise money against residential, buy-to-let, and commercial properties, accessed by intermediaries through the 1APP panel.
• Bridging Finance Short-term finance solutions for most purposes with rates starting from 0.43%, including auction purchases, property development, and time-sensitive transactions, placed via specialist bridging lenders on the panel.
• Commercial Finance Funding for any legal purpose from a range of lenders, including commercial and semi-commercial property financing, distributed to intermediaries via the 1APP panel.
• Portfolios Dedicated service and team for advisers with portfolio clients, including multiple portfolio single application capabilities for landlords with complex, multi-property borrowing needs.
• 1APP Lender Portal Proprietary intermediary portal that lets brokers enter case information once, obtain a single Decision in Principle (1DIP) across all lenders on the panel, and automatically populate lender-specific documents for every application.

Quantifiable outcome

• Single DIP (Decision in Principle) for all lenders
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

32 partnerships are on record, tiered core.

• Afin BankcoreChannel Partner/ Reseller/ DistributorLender partner on the TFC Homeloans panel providing mortgage solutions to intermediaries' clients.
• Allica BankcoreChannel Partner/ Reseller/ DistributorLender partner on the panel offering residential and buy-to-let mortgage products.
• Bluestone MortgagescoreChannel Partner/ Reseller/ DistributorSpecialist lender partner focused on adverse credit and complex borrower situations.
• CHL MortgagescoreChannel Partner/ Reseller/ DistributorLender partner on the panel providing specialist mortgage solutions.
• Dudley Building SocietycoreChannel Partner/ Reseller/ DistributorMutual building society lender partner offering residential mortgage products.
• EquifinancecoreChannel Partner/ Reseller/ DistributorLender partner providing specialist mortgage and finance solutions.
• The Family Building SocietycoreChannel Partner/ Reseller/ DistributorBuilding society lender partner offering residential mortgage products.
• Fleet MortgagescoreChannel Partner/ Reseller/ DistributorBuy-to-let specialist lender partner on the panel.
• Foundation Home LoanscoreChannel Partner/ Reseller/ DistributorLender partner providing specialist residential mortgage products.
• Hampshire Trust BankcoreChannel Partner/ Reseller/ DistributorBank lender partner offering commercial and residential lending solutions.
• Interbay FinancialcoreChannel Partner/ Reseller/ DistributorSpecialist lender partner for commercial and residential property finance.
• LandbaycoreChannel Partner/ Reseller/ DistributorBuy-to-let specialist lender partner focusing on professional landlord portfolios.
• LendInvestcoreChannel Partner/ Reseller/ DistributorTechnology-driven lender partner for bridging and buy-to-let mortgages.
• LivemorecoreChannel Partner/ Reseller/ DistributorLender partner on the panel for specialist mortgage solutions.
• Masthaven FinancecoreChannel Partner/ Reseller/ DistributorSpecialist lender partner offering residential and commercial finance.
• Moda MortgagescoreChannel Partner/ Reseller/ DistributorLender partner on the panel providing specialist mortgage products.
• MT FinancecoreChannel Partner/ Reseller/ DistributorSpecialist finance lender partner for bridging and mortgage solutions.
• NatWest (National Westminster Bank)coreChannel Partner/ Reseller/ DistributorMajor bank lender partner providing residential mortgage products through the panel.
• Pepper MoneycoreChannel Partner/ Reseller/ DistributorSpecialist lender focused on complex borrower situations and adverse credit.
• Precise MortgagescoreChannel Partner/ Reseller/ DistributorSpecialist lender partner for complex and adverse credit mortgage cases.
• Quantum MortgagescoreChannel Partner/ Reseller/ DistributorLender partner offering specialist mortgage solutions.
• RelycoreChannel Partner/ Reseller/ DistributorLender partner on the panel for specialist lending solutions.
• Shawbrook BankcoreChannel Partner/ Reseller/ DistributorSpecialist bank lender partner offering residential and commercial mortgages.
• Step One MortgagescoreChannel Partner/ Reseller/ DistributorLender partner providing specialist mortgage products.
• Tandem BankcoreChannel Partner/ Reseller/ DistributorDigital bank lender partner offering residential and second charge mortgages.
• The Mortgage Lender (TML)coreChannel Partner/ Reseller/ DistributorSpecialist lender partner focused on residential mortgage products.
• Together MoneycoreChannel Partner/ Reseller/ DistributorSpecialist lender partner for complex borrower situations and adverse credit.
• United Trust Bank (UTB)coreChannel Partner/ Reseller/ DistributorSpecialist lender partner for commercial and residential bridging finance.
• Vida HomeloanscoreChannel Partner/ Reseller/ DistributorSpecialist lender partner for residential mortgage products.
• West One LoanscoreChannel Partner/ Reseller/ DistributorSpecialist lender partner for bridging finance and complex mortgage cases.
• Yorkshire Building SocietycoreChannel Partner/ Reseller/ DistributorMajor building society lender partner offering residential mortgage products.
• Zephyr HomeloanscoreChannel Partner/ Reseller/ DistributorLender partner on the panel providing specialist mortgage solutions.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Buildstore: UK specialist distributor focused on bridging and development finance, with significant intermediary/broker channel penetration. Comparable to TFC's bridging and short-term finance offerings.
• Haysto: UK specialist mortgage platform focused on adverse credit and previously declined cases, connecting borrowers with specialist lenders. Competes in the same specialist intermediary niche as TFC.
• Brightstar Financial: UK specialist mortgage packager and intermediary serving brokers with access to adverse credit, BTL, and complex lending panels. Direct competitor to TFC Homeloans in the specialist intermediary space with a comparable lender panel model.
• 3mc (Mortgage Management Consultancy): UK mortgage packager providing brokers with access to specialist and mainstream lenders across residential, BTL, and adverse credit. Direct competitor offering a similar intermediary distribution model to TFC.
• Stonebridge (Stonebridge Homeloans / Network): UK mortgage network and packager offering brokers access to specialist lending panels, including adverse credit and complex cases. Direct competitor to TFC in the intermediary distribution model.
• Complete FS (Complete Financial Solutions): UK specialist mortgage packaging firm focused on adverse credit, complex income, and non-standard property cases. Closely comparable to TFC's specialist intermediary proposition.
• The Buy to Let Business: UK specialist BTL and portfolio landlord mortgage distributor focused on HMO, limited company, and complex landlord cases. Comparable to TFC's portfolio and BTL intermediary segments.

Broad incumbents

• LendInvest: UK technology-driven specialist lender for bridging, BTL, and development finance. While a lender partner of TFC, it also distributes via its own intermediary channel, creating partial overlap.
• Mortgage Advice Bureau (MAB): UK mortgage broker network with nationwide adviser base and panel of lenders. While broader and consumer-direct, it overlaps with TFC on the intermediary distribution model and lender panel access.
• Sesame Network (part of Openwork): UK mortgage network and intermediary distributor providing advisers with access to mainstream and specialist lender panels. Overlaps with TFC in serving advisers seeking specialist lender access.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/TFCHomeloans
• LinkedInlinkedin.com/company/tfchomeloans
• Facebookfacebook.com/tfchomeloanstwba

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 TFC Homeloans