Mortgage Decisions
Mortgage Decisions is a UK-based mortgage and protection brokerage that connects consumers with mortgage products from 90+ lenders through its Mortgage Hub call centre, serving first-time buyers, remortgagors, buy-to-let investors, and shared ownership buyers across the UK.
- Company typePrivate
- Founded2020
- HeadquartersChandlers Ford, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
Mortgage Decisions firmographics
Firmographics- Name
- Mortgage Decisions
- Legal name
- Mortgage Decisions Limited
- Website
- https://mortgagedecisions.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mortgage Decisions is a UK-based mortgage and protection brokerage that connects consumers with mortgage products from 90+ lenders through its Mortgage Hub call centre, serving first-time buyers, remortgagors, buy-to-let investors, and shared ownership buyers across the UK.
- Ownership category
- akta.pro rank
Mortgage Decisions industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)
- akta.pro secondary industries
- Commercial & Multifamily Mortgage Brokers (FSALABAB), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Commercial Mortgage Brokerage (FSAEAEAB)
Keywords
Where Mortgage Decisions is headquartered
LocationHeadquarters
- HQ city
- Chandlers Ford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Mortgage Decisions 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 Commission: Mortgage Decisions earns commission from lenders when a mortgage product is placed. This is the primary revenue stream for the brokerage.
- Mortgage Advice Fees: The company charges fees for mortgage advice. The fee is up to 1% of the loan amount but a typical fee is £595, payable by the customer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Customer-paid mortgage advice fee |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Mortgage Decisions product offering
Product offeringCore offering
Mortgage Decisions is a UK mortgage and protection brokerage that connects consumers with mortgage and insurance products via its Mortgage Hub call centre and website. Operating as an appointed representative of Mortgage Advice Bureau, the firm provides access to over 90 high street lenders and roughly 12,000 mortgage products, plus protection insurance lines including life, critical illness, income protection, and home insurance.
Product overview
Mortgage Decisions is a UK-based mortgage and protection brokerage offering a comprehensive range of financial products. The core offering centers on mortgage brokerage services with access to 1,000s of mortgages from over 90 high street lenders, complemented by protection insurance products. The mortgage portfolio includes residential purchase, remortgage, and specialist products for first-time buyers, self-employed individuals, those with bad credit, buy-to-let investors, and shared ownership schemes. Protection products include life insurance, critical illness cover, income protection, and home insurance. The company also offers specialist lending products such as equity release, bridging finance, and development finance. All services are provided through Mortgage Advice Bureau, an FCA-authorized firm.
Differentiator
Problem solved
Functional benefit
Products and services
- Residential Mortgages Mortgage brokerage service providing UK consumers access to thousands of residential mortgage products from over 90 high street lenders, covering home moves, first-time purchases, and remortgages.
- Remortgages Remortgage advice and arrangement for UK homeowners seeking to switch from their existing mortgage deal to a new lender or rate, including rate-switching and debt consolidation.
- Buy-to-Let Mortgages Mortgage products and advice for property investors and landlords purchasing or refinancing rental properties, typically requiring 25% deposit and using rental income for affordability assessment.
- Shared Ownership Mortgages Advice and mortgage arrangement for buyers purchasing a 10-75% share of a property through government-backed shared ownership schemes while paying rent on the remainder, with staircasing and resale support.
- Bad Credit Mortgages Specialist mortgage products and advice for borrowers with poor credit histories, including those with bankruptcy, CCJs, defaults, and IVAs, sourced from specialist lenders.
- Self-Employed Mortgages Mortgage products and advice designed for self-employed individuals, including one-year and two-year self-employed mortgage options with varied account-history requirements.
- Specialist Lending Specialist lending products including equity release, self-build mortgages, bridging finance, development finance, and commercial finance arranged for borrowers with non-standard requirements.
- Life Insurance Life insurance products arranged for consumers, including term life, whole of life, decreasing term, level term, and family income benefit policies.
- Critical Illness Cover Insurance product providing a lump-sum payment upon diagnosis of specified critical illnesses, arranged for consumers through Mortgage Decisions' protection advisers.
- Income Protection Insurance Insurance providing replacement income if the policyholder is unable to work due to illness or injury, including short-term income protection options.
- Home Insurance Residential home insurance cover arranged for consumers alongside mortgage advice.
Quantifiable outcome
- Mortgage transactions surged 300% year-on-year by July 2021
- +3 more outcomes
Companies that use Mortgage Decisions
Customer profileNamed customers6 records
Segments9 records
Ideal customer profiles5 records
Mortgage Decisions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Mortgage Decisions partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Sovereign Housing AssociationcoreMortgage Decisions was appointed to the mortgage provider panel of Sovereign Housing Association in November 2021. Sovereign is one of the largest housing associations in the region. This partnership allows Mortgage Decisions to provide mortgage advice and services to Sovereign's shared ownership buyers and other housing customers, qualifying them financially for properties and processing mortgage applications on their behalf.
- Mortgage Advice Bureau (MAB) LimitedcoreMortgage Decisions is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the Financial Conduct Authority. This partnership provides Mortgage Decisions with access to over 90 high street lenders and 12,000 mortgage products.
Scale indicators6 records
Recent moves8 records
Expansion highlights6 records
Mortgage Decisions competitors and assessment
Company assessmentDirect peers
- London & Country Mortgages: L&C is one of the UK's largest independent mortgage brokers, offering whole-of-market mortgage and protection advice. It is a direct peer to Mortgage Decisions given its scale, multi-adviser call-centre model, and broad product range.
- SPF Private Clients: SPF Private Clients is a UK mortgage broker focused on high-net-worth, complex, and buy-to-let cases. It is comparable to Mortgage Decisions on its specialist lending focus and adviser-led intermediary model.
- Habito: Habito is a UK digital-first mortgage broker offering online and telephone advice across the whole market. It competes directly with Mortgage Decisions on customer experience and broker-led advice, but differentiates through a proprietary technology platform.
- Trussle: Trussle is a UK online mortgage broker that matches customers with advisers across a wide lender panel. It is a direct peer as a UK-wide mortgage intermediary serving consumers, though it leans more heavily on automated/digital matching than Mortgage Decisions.
- John Charcol: John Charcol is a long-established UK mortgage broker specialising in complex cases (self-employed, contractors, adverse credit). It is a direct peer to Mortgage Decisions in the specialist-niche broker segment and on lender panel breadth.
- Alexander Hall: Alexander Hall is a UK mortgage broker operating through a network of advisers offering residential and buy-to-let products. It is a direct peer as a multi-adviser, fee- and commission-funded intermediary with comparable customer segments.
Others
- Sovereign Housing Association: Sovereign Housing Association is one of Mortgage Decisions' largest channel partners — Mortgage Decisions was appointed to its mortgage provider panel in November 2021. It is listed as a peer because it is integral to the firm's shared-ownership distribution, rather than as a competitor.
Broad incumbents
- Connells Group: Connells is one of the UK's largest estate agency and financial services groups, with in-house mortgage advisory. It is a broad incumbent that competes with Mortgage Decisions for shared-ownership and new-build buyer referrals through its estate-agent network.
- Mortgage Advice Bureau: Mortgage Advice Bureau (MAB) is the parent network of which Mortgage Decisions is an appointed representative, and is one of the UK's largest mortgage broker networks with an AIM listing. It is directly comparable as the wholesale platform and regulatory host powering Mortgage Decisions' lender access.
- Countrywide / Hamptons (Mortgage Services): Countrywide is a large UK estate-agency group offering mortgage and protection advice via in-house advisers. It is comparable to Mortgage Decisions in the developer-and-estate-agent referral channel for purchase and remortgage business.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Mortgage Decisions social profiles
Digital presenceMortgage Decisions compliance and trust
Trust signalCompliance2 records
Mortgage Decisions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mortgage Decisions leadership team
Management profileNumber of profiles
Profiles7 records
Mortgage Decisions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mortgage Decisions 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 Mortgage Decisions
What does Mortgage Decisions do?
Mortgage Decisions is a UK mortgage and protection brokerage that connects consumers with mortgage and insurance products via its Mortgage Hub call centre and website. Operating as an appointed representative of Mortgage Advice Bureau, the firm provides access to over 90 high street lenders and roughly 12,000 mortgage products, plus protection insurance lines including life, critical illness, income protection, and home insurance.
Is Mortgage Decisions a public or private company?
Mortgage Decisions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Mortgage Decisions founded?
Mortgage Decisions was founded in 2020. It employs 11 to 50 people.
Where is Mortgage Decisions based?
Mortgage Decisions is headquartered in Chandlers Ford, United Kingdom, in the Europe region.
How does Mortgage Decisions make money?
Two revenue lines are on record. Mortgage Advice Commission is the primary driver. The others are mortgage Advice Fees.
Who are Mortgage Decisions's main competitors?
Direct peers on record are London & Country Mortgages, SPF Private Clients, Habito, Trussle, John Charcol and Alexander Hall. Sovereign Housing Association is listed as an others. Broad incumbents are Connells Group, Mortgage Advice Bureau and Countrywide / Hamptons (Mortgage Services).
Does Mortgage Decisions have an API?
No public API is recorded for Mortgage Decisions.
What industry is Mortgage Decisions in?
Mortgage Decisions's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSALABAA, Retail Residential Mortgage Brokers (Purchase & Refinance), with a secondary code of FSALABAB, Commercial & Multifamily Mortgage Brokers. Its NAICS code is 522310 and its SIC code is 6163.