Premier Mortgage Services

What Premier Mortgage Services does

Premier Mortgage Services is an independent whole-of-market mortgage broker founded in 1992 and headquartered in Stapleford, Nottingham, with a secondary office in Nottingham city centre. Operating as a trading style of Premier Mortgage Services (Nottingham) Limited and as an Appointed Representative of Stonebridge Mortgage Solutions Ltd (FCA firm reference 214136), the firm is authorised to provide regulated mortgage and protection advice across England and Wales. The company serves individual consumers across Nottinghamshire and the broader East Midlands, with a customer base spanning first-time buyers, home movers, remortgagors, buy-to-let investors, self-employed borrowers, professional groups (NHS, teachers, police, armed forces, doctors, contractors), adverse credit borrowers (CCJs, DMPs, defaults), and niche segments including expats, high net worth individuals, and over-60s. As of its 30th anniversary in 2022, the firm reported facilitating more than £2 billion in cumulative client borrowing and maintains access to over 100 lenders and 12,000+ mortgage products.

The firm's core offering is whole-of-market mortgage brokerage, comparing high-street bank, building society, and specialist lender products to match each client to the most appropriate deal based on individual circumstances. The portfolio includes a wide range of specialist products by borrower profile (self-employed, contractor, company director), credit situation (adverse credit, CCJ, DMP), property type (non-standard construction, self-build, right to buy), and deposit size (95%, 100%, and a forthcoming £5,000 deposit product). Adjacent protection and insurance advice (life and home insurance) is provided alongside mortgage services. The underlying technology stack is traditional: there is no proprietary platform, no API, and no mobile application, with the business operating through a website, Google Business Profile, Facebook, telephone consultations, and in-person branch appointments supported by CeMAP qualified brokers.

Revenue is generated through mortgage arrangement fees (professional services model) with initial consultations provided free of charge. Pricing is not publicly disclosed and varies by client circumstances. The go-to-market motion is sales-led and direct-to-consumer, supported by an extensive local SEO footprint covering more than 20 specific towns and neighborhoods, a 4.9/5 Google rating across 100+ reviews, and a content marketing programme covering mortgage news, rate movements, and first-time buyer guidance. The firm reports 11-50 employees and operates with no disclosed external institutional, PE, or VC investment.

Name

Premier Mortgage Services

Legal name

Premier Mortgage Services (Nottingham) Limited

Website

https://premiermortgageservices.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Premier Mortgage Services is an independent whole-of-market mortgage broker founded in 1992 in Nottingham, UK, advising individual consumers across the East Midlands on residential, buy-to-let, self-employed, adverse credit, and specialist mortgages through CeMAP qualified brokers with access to 100+ lenders.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

Keywords

• Mortgage brokerage services
• Whole-of-market advice
• Remortgage advisory
• Specialist lending access
• Protection insurance advice

Headquarters

HQ city

Stapleford

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage Arrangement Fees: The company charges fees for arranging mortgages, with the precise amount depending on individual circumstances. Initial consultations are provided free of charge to prospective clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Premier Mortgage Services is an independent whole-of-market mortgage broker that compares over 12,000 mortgage deals from 100+ UK lenders (high-street banks, building societies and specialist lenders) to advise individual consumers on first-time purchase, remortgage, buy-to-let, self-employed, professional and adverse-credit mortgage applications. CeMAP qualified brokers manage the full application process from Agreement in Principle through completion, supplemented by life insurance and protection product advice.

Product overview

Premier Mortgage Services is an independent whole-of-market mortgage broker offering a unified advisory service with integrated protection products. The core offering is whole-of-market mortgage advice across thousands of products from over 100 lenders, supported by life insurance and protection product advice. The portfolio includes specialist mortgage products grouped by borrower profile (first-time buyers, self-employed, NHS/medical professionals, teachers, police, armed forces, contractors, expats, high net worth, over 60s), by credit situation (adverse credit, CCJ, DMP), by property type (non-standard construction, self-build, right to buy), and by deposit size (95%, 100%, and the forthcoming £5,000 deposit product launching May 2026). Additional services include debt consolidation remortgages, single person mortgages, and local area advisory services across Nottinghamshire and surrounding regions. All advice is provided by CeMAP qualified brokers through telephone, in-branch, or online appointments.

Differentiator

Problem solved

Functional benefit

Products and services

• Whole of Market Mortgage Advice Independent whole-of-market mortgage broking service that compares thousands of mortgage deals from over 100 lenders (high-street banks, building societies and specialist mortgage lenders) to find the best fit for each client's circumstances, supported from Agreement in Principle through to completion.
• Protection Products Advice on life insurance and home insurance (protection) products offered alongside mortgage services to safeguard borrowers and their properties.
• £5,000 Deposit Mortgage First-time buyer mortgage product featuring a £5,000 minimum deposit, available on properties up to £300,000, maximum LTV of 98%, maximum loan-to-income ratio of 4.5x, five-year fixed rate of 5.89%, mortgage term up to 40 years, no product fees, open to employed and self-employed applicants. Not available for shared ownership, new build properties or gifted deposits.
• Debt Consolidation Mortgage Remortgage product that consolidates multiple unsecured debts (credit cards, personal loans, store cards, car finance) into a single mortgage payment, potentially reducing monthly outgoings and simplifying finances for homeowners across Nottingham and the East Midlands, handled by Craig and Dana.
• Self-Build Mortgage Specialist mortgage product for self-build projects with staged fund releases at construction milestones, available in both arrears and advance payment structures.
• Right to Buy Mortgage Mortgage product for council and housing association tenants purchasing through the government's Right to Buy or Right to Acquire schemes, with guidance on using Right to Buy discounts as deposit.
• One Year's Accounts Mortgage Specialist mortgage product for self-employed applicants with only one year of trading history, sourcing lenders who assess full business performance rather than relying on rigid two-year criteria.
• 95% Mortgages Mortgage products requiring just a 5% deposit with a 95% loan-to-value ratio, including access to government guarantee schemes.
• 100% Mortgages Zero-deposit mortgage products with 100% loan-to-value ratio, typically requiring a guarantor or a family member's savings as additional security.
• Single Person Mortgage Mortgage advice and products for single buyers purchasing on one income, covering income multiple assessment, government schemes, guarantor options and Joint Borrower Sole Proprietor structures.
• Bad Credit Mortgage Lenders Panel Access panel of specialist bad credit mortgage lenders including Halifax, Kensington, Precise, Pepper Money, Aldermore, Vida Homeloans, Bluestone, The Mortgage Lender, Together Money and Kent Reliance, covering borrowers across the adverse credit spectrum.

Quantifiable outcome

• 4.9 out of 5 Google rating with over 100 reviews
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core and minor.

• Stonebridge Mortgage Solutions LtdcoreStrategic or Co-development PartnerPremier Mortgage Services is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority. This partnership provides regulatory oversight and FCA authorization for the company's mortgage advisory services.
• Barclays BankminorOthersPartner lender providing mortgage products through Premier Mortgage Services' whole-of-market brokerage.
• HalifaxminorOthersPartner lender providing mortgage products including options for borrowers with minor historic adverse credit.
• Nationwide Building SocietyminorOthersPartner lender providing mortgage products through Premier Mortgage Services' brokerage network.
• NatWestminorOthersPartner lender providing mortgage products through the broker network.
• Virgin MoneyminorOthersPartner lender providing mortgage products through the broker network.
• SantanderminorOthersPartner lender providing mortgage products through the broker network.
• Leeds Building SocietyminorOthersPartner lender providing mortgage products through the broker network.
• Coventry Building SocietyminorOthersPartner lender (trading as BM Solutions) providing mortgage products.
• Together MoneyminorOthersSpecialist lender partner offering flexible mortgage products for complex situations including adverse credit and non-standard property types.
• Kensington MortgagesminorOthersSpecialist adverse credit lender considering applications from borrowers with CCJs and defaults, including those with smaller deposits.
• Precise MortgagesminorOthersSpecialist lender with broad adverse credit criteria covering defaults, CCJs and complex credit histories.
• Pepper MoneyminorOthersSpecialist lender built for borrowers who cannot access mainstream products, covering recent defaults, CCJs, and declined applicants.
• AldermoreminorOthersSpecialist bank with broad lending appetite across residential, buy to let and complex income situations including self-employed borrowers with adverse credit.
• Vida HomeloansminorOthersSpecialist residential and buy to let lender with tiered adverse credit criteria, particularly active in the buy to let market.
• Bluestone MortgagesminorOthersSpecialist lender operating at the more challenging end of the adverse credit spectrum, assessing each case individually.
• The Mortgage LenderminorOthersSpecialist lender with manual underwriting and genuine appetite for complex cases including adverse credit, self-employed borrowers, and non-standard properties.
• Kent RelianceminorOthersPart of OSB Group, with broad criteria for residential and buy to let lending including borrowers with historic adverse credit.
• Saffron Building SocietyminorOthersBuilding society partner offering flexible mortgage options including consideration for applicants with one year's trading accounts.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Habito: Digital-first UK mortgage broker offering online advice and direct lender integrations. Represents the technology-led channel competing for the same consumer mortgage market, particularly among self-directed first-time buyers.
• Mortgage Advice Bureau: UK national mortgage broker network with similar whole-of-market advice model, CeMAP-qualified advisers, and access to a wide lender panel. Listed on AIM and substantially larger, making it the most relevant publicly comparable peer for Premier's brokerage model.
• John Charcol: Long-established London-based independent mortgage broker with specialisation in complex borrower cases (self-employed, contractors, high net worth), directly comparable to Premier's specialist-segment positioning.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market advice across a broad lender panel. Directly comparable in advisory-led, fee/commission business model and customer-segment breadth.
• Capital Private Finance: Independent mortgage broker specialising in high-net-worth, professional, and complex income segments — directly comparable to Premier's high-net-worth and contractor advisory offering.
• SPF Private Clients: UK mortgage broker focused on high-net-worth, professional, and complex-income borrowers. Comparable to Premier's high-net-worth, contractor, and specialist-income product lines.
• Trussle: Digital mortgage broker using automated matching across a lender panel. Comparable in targeting mainstream and first-time-buyer mortgage customers, but with a fundamentally different technology-led delivery model.

Broad incumbents

• Connells Group: Large UK estate agency and financial services conglomerate with an in-house mortgage broking arm. Represents a broader incumbent with overlapping advisory services but operating across the full property lifecycle.
• Countrywide (now part of Connells): Major UK estate agency group with integrated mortgage broking services through Countrywide Mortgage Services. Comparable as a broad-based incumbent offering mortgage advice within a wider property services portfolio.

Others

• Stonebridge Mortgage Solutions: Parent AR network through which Premier Mortgage Services operates. Comparable as a regulated mortgage network providing FCA authorisation, lender panel access, and compliance infrastructure to Appointed Representatives.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pmsnottingham
• LinkedInlinkedin.com/company/premier-mortgage-services-nottingham

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Premier Mortgage Services