EBR Mortgages

What EBR Mortgages does

EBR Mortgages Limited is a privately-held UK mortgage brokerage and protection advisory firm headquartered in Eastbourne, Sussex, founded in 2023 by Chris Ebrat (BSc CeMAP CertRBCB) after a decade in the mortgage industry. The company operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which provides the FCA regulatory framework, and provides access to mortgage products from over 100 lenders across first-time buyer, remortgage, home mover, and buy-to-let segments, alongside life, critical illness, and income protection insurance.

The business runs a personal, advisory-led service through a simple four-step process (Plan, Compare, Apply, Chase) with no proprietary technology platform disclosed; it relies on industry-standard mortgage sourcing and application tools. Customer acquisition is driven primarily by word-of-mouth referrals, content marketing via a regularly updated blog, and a network of local SEO landing pages targeting towns across Sussex and surrounding counties.

EBR Mortgages generates revenue through lender-paid commissions on completed mortgage transactions, with a possible fee of approximately £399 on mortgage arrangement and no broker fee charged for advice. Operating hours are Monday-Friday 9am-5pm, with client contact via phone, WhatsApp, email, and an online contact form. The company is a micro-entity (1-10 employees) with no disclosed external funding, M&A activity, or institutional investors.

Name

EBR Mortgages

Legal name

EBR Mortgages Limited

Website

https://ebrmortgages.co.uk

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

EBR Mortgages Limited is a Sussex-based UK mortgage brokerage and protection advisory firm founded in 2023 by Chris Ebrat, operating as an Appointed Representative of Stonebridge Mortgage Solutions Ltd and serving individual consumers and small property investors with access to over 100 lenders.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

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

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Residential mortgages
• Remortgage advice
• Buy-to-let mortgages
• Protection insurance

Headquarters

HQ city

Eastbourne

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

Revenue model

1. Lender Commission: EBR Mortgages does not charge clients a broker fee for mortgage advice. The company is typically paid a commission by the lender once the mortgage completes. For protection/insurance services, there may be a fee depending on circumstances, typically around £99 for mortgage arrangement.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

EBR Mortgages is a Sussex-based mortgage brokerage that arranges residential and buy-to-let mortgages on behalf of individual clients by sourcing deals from over 100 lenders. It also provides protection insurance advisory (life, critical illness, income protection) and Decision in Principle assessments. The firm operates a four-step process (Plan, Compare, Apply, Chase), is FCA-regulated via Stonebridge Mortgage Solutions Ltd, and does not charge clients a broker fee for mortgage advice.

Product overview

EBR Mortgages operates as a mortgage brokerage and insurance advisory service structured around two core offerings: Mortgages and Protection. The Mortgages division provides access to over 100 lenders offering first-time buyer mortgages, remortgage products, home mover mortgages, and buy-to-let mortgages. The Protection division encompasses life insurance, critical illness cover, and income protection insurance. Additional services include Decision in Principle assessments and Private Medical Insurance guidance. The company operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, providing personalized advisory services throughout Sussex and surrounding areas.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages Core mortgage brokerage service providing access to over 100 lenders, including first-time buyer mortgages, remortgage products, home mover mortgages, and buy-to-let mortgages. The service offers personalised mortgage advice, application management, and guidance through the entire mortgage process from consultation to completion for individual consumers in Sussex.
• First-Time Buyer Mortgages Specialized mortgage brokerage for first-time buyers, offering guidance on government schemes (Help to Buy, Shared Ownership), mortgage in principle applications, and step-by-step support through the home buying process for first-time home buyers in Sussex.
• Remortgage Remortgaging brokerage to help homeowners secure better rates, release equity, or adjust mortgage terms, including market comparison, lender switching support, and ongoing mortgage monitoring.
• Home Mover Mortgages Mortgage brokerage for homeowners moving to a new property, including mortgage porting assessment, new mortgage applications, property chain management guidance, and deposit/equity handling for home movers in Sussex.
• Buy to Let Mortgages Investment-focused mortgage brokerage for property investors purchasing rental properties, including rental income assessment, portfolio expansion advice, landlord responsibility guidance, and tax efficiency planning.
• Protection Insurance Protection insurance advisory service offering life insurance, critical illness cover, and income protection to safeguard families and homeowners against financial hardship from death, illness, or injury.
• Life Insurance Life insurance advisory providing financial security for families in the event of the policyholder's death, ensuring mortgage payments can be covered and loved ones remain financially protected.
• Critical Illness Cover Critical illness insurance advisory providing a tax-free lump sum payment upon diagnosis of specified critical illnesses (cancer, heart attack, stroke, multiple sclerosis, Parkinson's disease), enabling policyholders to focus on recovery without financial worry.
• Income Protection Income protection insurance advisory providing regular income payments if the policyholder is unable to work due to illness or injury, covering essential expenses including mortgage payments, utility bills, and daily living costs until return to work.
• Decision in Principle (DIP) Service Preliminary mortgage assessment providing a written indication of potential lending amount based on initial affordability checks and credit assessment. Also known as Agreement in Principle or Mortgage in Principle.

Segments5 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.

• Stonebridge Mortgage Solutions LtdcoreImplementation/ SI/ Consulting PartnerEBR Mortgages Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Stonebridge provides the regulatory framework and compliance oversight for EBR Mortgages' mortgage advisory activities.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• VouchedFor: UK adviser directory and lead-generation platform for IFAs and mortgage advisers. Indirectly comparable to EBR as it represents an alternative customer acquisition channel for the same adviser-led mortgage and protection market.
• Habito: UK online-first mortgage broker and lender that pioneered a digital advice model. Competes with EBR in residential mortgage brokerage but is differentiated by a technology-led rather than personal-adviser-led service.
• Trussle: UK online mortgage broker focused on remortgage and home-mover segments. Overlaps with EBR's remortgage and home-mover offerings but competes through a digital-only experience rather than local face-to-face advice.

Direct peers

• Alexander Hall: London-based fee-free mortgage broker operating across prime and mainstream UK markets. Comparable whole-of-market, no-client-fee model targeting similar first-time buyer, home-mover, and BTL segments as EBR Mortgages.
• John Charcol: Long-established specialist UK mortgage broker serving first-time buyers, home movers, and complex cases with whole-of-market access. Closely comparable adviser-led, no-fee broker model to EBR Mortgages.
• London & Country Mortgages: One of the UK's largest fee-free mortgage brokers, offering whole-of-market lender access across first-time buyer, remortgage, and buy-to-let products. Direct competitor to EBR Mortgages in the broker-led, no-fee consumer proposition.

Broad incumbents

• Openwork Partnership: Large UK financial advice network distributing mortgage, protection, and wealth products through thousands of advisers. Overlaps with EBR via adviser-led mortgage distribution and AR-style network model, though at significantly greater scale.
• Mortgage Advice Bureau: National, FCA-regulated mortgage and protection advisory network with a large AR-style network of advisers. Competes broadly with EBR via a similar panel-based, adviser-led model but at significantly greater scale and brand reach.
• Connells Group: Large UK estate agency and mortgage services group with in-house and AR-style mortgage advice across regions including Sussex. Competes with EBR for mortgage advisory business at the point of property transaction.

Others

• Stonebridge Mortgage Solutions Ltd: FCA-authorised principal under which EBR Mortgages operates as an Appointed Representative. Directly comparable because it sets the compliance framework, lender panel access, and operational support for EBR and similar AR firms in its network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

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 EBR Mortgages