Complete FS

What Complete FS does

Complete FS Limited is a UK-based mortgage packager and broker established in 1993 and headquartered in Eastleigh, England. The company operates as an intermediary between mortgage brokers across the United Kingdom and an unrestricted panel of specialist lenders, processing applications across six core lending categories: residential, adverse credit, buy-to-let (including HMO and limited company), secured loans, bridging finance, and commercial finance. Complete FS does not deal directly with consumers; brokers submit cases through the company's BORIS (Broker Online Inquiry System) portal or via direct contact, and Complete FS handles packaging, submission, and lender liaison on their behalf.

The company is authorized and regulated by the UK Financial Conduct Authority (FCA Register Number: 738129) and holds NACFB Assured status for commercial finance broking. Its proprietary technology footprint is limited to the BORIS case-management platform, with no disclosed AI, ML, or advanced automation capabilities. The business model is transaction-based: Complete FS earns proc fees/commission from lenders on completed mortgage transactions, with rates varying by lender and product (e.g., 0.40%–1.00% net to broker for buy-to-let; up to 2.00% gross/1.00% net on bridging). Pricing to brokers is not directly charged; economics flow from lender commission splits disclosed transparently to intermediaries.

The firm employs between 11 and 50 staff and recently (2025) expanded its lender panel with Afin Bank and several other specialist partners while promoting two internal staff into operational leadership roles. Its customer base is fragmented across the UK broker intermediary sector, and its growth strategy centers on deepening specialist lender relationships, running broker education events (e.g., Secured Loan Masterclass, Meet the Lender Southampton), and maintaining regulatory standing rather than scaling via external capital, as no funding rounds or PE backing are disclosed.

Name

Complete FS

Legal name

Complete FS Limited

Website

https://complete-fs.co.uk

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Complete FS Limited is a UK FCA-authorized mortgage packager and broker founded in 1993, serving the UK intermediary sector by packaging and processing residential, buy-to-let, adverse, bridging, secured loan, and commercial mortgage applications through an unrestricted specialist lender panel.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage and Packaging Services

NAICS

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

SIC

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

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industries

Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Mortgage packaging
• Mortgage broking
• Specialist lending
• Intermediary services
• Secured lending

Headquarters

HQ city

Eastleigh

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

Revenue model

1. Commission from Lenders: Complete FS receives commission from lenders on completed mortgage transactions. Commission is calculated as a percentage of the amount borrowed and rate for risk. Different lenders pay different amounts based on different models. This is disclosed transparently to intermediaries.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Complete FS operates as a mortgage packager and broker, processing mortgage and secured-loan applications submitted by UK mortgage brokers and financial intermediaries through an unrestricted panel of specialist lenders. It distributes products exclusively via the intermediary channel — never directly to consumers — and covers mainstream and complex cases including adverse credit, HMOs/MUFBs, limited-company buy-to-let, bridging, and commercial/semi-commercial finance. Case submission, tracking, and management are handled through its proprietary BORIS portal.

Product overview

Complete FS operates as a mortgage packager and broker offering an integrated portfolio of six core lending products distributed through an unrestricted panel of specialist lenders. The core offerings include Residential Mortgages, Adverse Mortgages, Buy to Let Mortgages, Secured Loans, Bridging Finance, and Commercial Finance, all processed through their proprietary BROIS (Broker Online Inquiry System) platform. The company differentiates through specialist lending relationships and completes the submission process on behalf of intermediaries.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Residential mortgage products for homeowners and first-time buyers, processed through the Complete FS packager service for distribution to the lender panel. Aimed at UK mortgage brokers placing standard residential cases.
• Adverse Mortgages Mortgage products for borrowers with adverse credit history, including defaults, CCJs, and bankruptcy, packaged and submitted through Complete FS to specialist lenders on the panel. Aimed at UK mortgage brokers with non-standard client cases.
• Buy to Let Mortgages Buy-to-let mortgage products for landlords investing in residential rental properties, including HMO and MUFB products, packaged and distributed through Complete FS to specialist BTL lenders. Aimed at UK mortgage brokers serving landlord clients.
• Secured Loans Second-charge secured loan products providing borrowing against property for debt consolidation, property investment, or business purposes, packaged through Complete FS to specialist lenders. Aimed at UK mortgage brokers placing second-charge lending.
• Bridging Finance Short-term bridging finance for property transactions, auction purchases, and other time-sensitive opportunities with flexible terms, packaged via Complete FS to bridging lenders on the panel. Aimed at UK mortgage brokers with short-term funding cases.
• Commercial Finance Commercial and semi-commercial mortgage products for business properties, offices, retail premises, and mixed-use assets, packaged via Complete FS to specialist commercial lenders. Aimed at UK mortgage brokers placing business-use property finance.
• BORIS (Broker Online Inquiry System) Proprietary online broker portal used by intermediaries for case submission, registration, and real-time case tracking with Complete FS across all product categories. Aimed at UK mortgage brokers using Complete FS as their packager.
• Complete Exclusives Exclusive mortgage products available only through Complete FS from its lender panel, providing differentiated offerings that intermediaries cannot access via other packagers.

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core.

• Allica BankcoreChannel Partner/ Reseller/ DistributorAllica Bank is featured as a sponsor on the Complete FS website, indicating an active lending partnership for residential and commercial mortgage products.
• Afin BankcoreChannel Partner/ Reseller/ DistributorNew specialist lender partnership announced July 2025. Key criteria strengths include: No minimum credit score required, pragmatic manual underwriting, 6-month UK residency minimum, accepts thin/no UK credit footprint, overseas deposits accepted, dedicated 90% LTV products for qualified professionals up to 6.5x income, 100% capital raising for debt consolidation, ERC-free tracker products.
• ModaMortgagescoreChannel Partner/ Reseller/ DistributorSpecialist buy-to-let mortgage lender. Proc fees: 0.90% gross, 0.50% net to regulated broker. New lender making buy-to-let smarter, faster and simpler for brokers and landlords.
• Precise MortgagescoreChannel Partner/ Reseller/ DistributorSpecialist residential mortgages and bridging lender. Products include residential, bridging (Premier and Standard), and Bridge to Let. Proc fees vary by product type from 0.375% to 0.50% net to regulated broker.
• CHL MortgagescoreChannel Partner/ Reseller/ DistributorExperts in Limited Company Buy to Let. Proc fees: 0.95% gross, 0.55% net to regulated broker. Products available to Limited Company/LLP borrowers including SPV, trading companies, new incorporations.
• FoundationcoreChannel Partner/ Reseller/ DistributorSpecialist mortgages backed by over 25 years experience. Proc fees: 0.85% all products, 0.45% net to regulated broker. Semi-commercial at 1.50% gross, 0.75% net.
• RelycoreChannel Partner/ Reseller/ DistributorBuy to Let expertise as part of OSB Group. Proc fees: 0.80% gross, 0.40% net to regulated broker. Products up to 80% LTV, 2-5 year fixed terms with £0 fees available.
• MT FinancecoreChannel Partner/ Reseller/ DistributorMarket-leading specialist finance lender for bridging, buy-to-let, and commercial mortgages. Proc fees: Bridging 2.00% gross/1.00% net, BTL 0.85% gross/0.50% net, Commercial 1.50% gross/0.75% net.
• InterbaycoreChannel Partner/ Reseller/ DistributorSpecialist in commercial, semi-commercial, buy to let and bridging lending. Proc fees: Buy to Let 1.00%/0.50%, Commercial 1.50%/0.75%, Bridging 2.00%/1.00%. Partnership built on trust with professional approach and industry-leading knowledge developed over 22 years.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• 3mc (Midland Mortgage Corporation): UK specialist mortgage distributor and packager with a broad lender panel and exclusive products. Directly comparable to Complete FS in distribution model, intermediary focus, and specialist lending orientation.
• Connect for Intermediaries: Major UK mortgage network and packager providing intermediary access to a wide lender panel with both mainstream and specialist products. Comparable to Complete FS as a wholesale intermediary serving UK brokers with mixed product offering.
• Brightstar Financial: Established UK mortgage packager and distributor to intermediaries, with a specialist lending focus and large lender panel. Highly comparable to Complete FS as both operate as wholesale packagers serving brokers in the specialist lending space.
• TFC Homeloans: UK specialist packager and distributor focused on adverse credit, BTL, and complex mortgage cases. Highly comparable to Complete FS in product mix and intermediary channel focus.
• The Buy to Let Business: UK specialist BTL and commercial mortgage packager serving intermediaries. Comparable to Complete FS specifically in the BTL, HMO, MUFB, and commercial sub-segments of the packager market.
• SPF Private Clients: UK specialist intermediary offering adverse credit, BTL, bridging, and complex mortgages through a curated lender panel. Closely comparable to Complete FS across product lines and intermediary service model.
• Dynamo Homeloans: UK mortgage packager and distributor with a panel of mainstream and specialist lenders serving intermediaries. Comparable to Complete FS as a UK packager competing in the intermediary distribution market.
• Mosaic Homeloans: UK specialist mortgage distributor and packager serving brokers with complex case expertise. Comparable to Complete FS in specialist lending and intermediary distribution focus.

Emerging players

• Habito: UK digital mortgage broker and lender platform using technology-led distribution. Adjacent rather than identical - comparable to Complete FS as a UK intermediary, but operates a digital-first model rather than a traditional packager.

Broad incumbents

• L&C Mortgages: Large established UK mortgage broker serving consumers and intermediaries with a broad lender panel. Comparable to Complete FS as a UK mortgage intermediary, but operates at much greater scale and consumer-direct focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/completefs1993
• YouTubeyoutube.com/@complete-fs
• Facebookfacebook.com/completefs.co.uk
• LinkedInlinkedin.com/company/complete-fs-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Complete FS