Independent Mortgage Brokers

What Independent Mortgage Brokers does

Independent Mortgage Brokers Limited is a privately held, FCA-authorized (Firm Reference 841413) whole-of-market mortgage brokerage headquartered in Leeds, West Yorkshire, operating under the trading names IMB Online and IMB. Founded in 2016, the firm provides mortgage advisory services across residential purchases, remortgaging, buy-to-let, commercial property, Shared Ownership, Right to Buy, and specialist lending for adverse credit, self-employed, and complex-income borrowers. Service is delivered through a dedicated broker and case manager model supported by the proprietary Smart365 customer portal (Azure AD B2C authentication) and an online mortgage calculator, with credit reference integrations to Experian, Equifax, Call Credit, and Check My File.

The business model combines lender commissions from placement with 90+ lenders (access to 12,000+ products) and client-paid arrangement fees, with free initial advice and fees applied on submission. Distribution is direct-to-consumer via phone, website inquiry, and in-person consultation, with regional emphasis on Yorkshire and North West England (location-specific pages span Leeds, Sheffield, Huddersfield, Wakefield, Halifax, York, Bradford, Barnsley, Blackburn, Blackpool, Burnley, Preston, and additional towns) and a national online footprint. Marketing is multi-channel: content marketing via an active blog, SEO-optimized location pages, social presence across Facebook, Twitter, Instagram, and LinkedIn, and a Trustpilot presence (5-star rating across 24 reviews).

The firm has built a partner ecosystem spanning major UK housebuilders (Bellway, Taylor Wimpey, Persimmon Homes, Keepmoat, Kier Living, Beal Homes) for new-build lead flow and protection/general insurers (Aviva, Legal & General, Aegon, Zurich, RSA, Guardian, Uinsure, UK General) for cross-sell of life, critical illness, income protection, and buildings & contents products. The company is founder/management-led (Director Lee Mynard identified in privacy disclosures) with no disclosed external investment, M&A activity, or acquisitions.

Name

Independent Mortgage Brokers

Legal name

Independent Mortgage Brokers Limited

Website

https://imbonline.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Independent Mortgage Brokers (IMB Online) is an FCA-authorized UK whole-of-market mortgage brokerage based in Leeds, providing access to 90+ lenders and 12,000+ products for first-time buyers, home movers, self-employed, and bad-credit borrowers across Yorkshire and North West England.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage services
• Residential mortgage advice
• Remortgaging solutions
• Protection insurance
• Buy-to-let financing

Headquarters

HQ city

Halifax

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, Others

Revenue model

1. Mortgage Arrangement Fees: The company provides free and impartial initial mortgage advice but charges fees when applying for a mortgage on behalf of clients. The actual fee amount depends on individual circumstances.
2. Lender Commissions: As an independent broker with access to 90+ lenders, the company earns commissions from mortgage lenders for placing business with them.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Independent Mortgage Brokers operates as a whole-of-market mortgage brokerage offering access to over 90 lenders and more than 12,000 mortgage and protection products. The firm provides dedicated broker and case-manager support for residential purchases, remortgaging, buy-to-let, commercial mortgages, and specialist lending for complex cases such as bad credit, self-employment, Right to Buy, and Shared Ownership. It also distributes protection insurance (life, critical illness, income protection) and general insurance (buildings and contents, accident and sickness, unemployment).

Product overview

Independent Mortgage Brokers (IMB) operates as a whole-of-market mortgage brokering platform offering access to over 90 lenders and 12,000+ mortgage products. The core offering centers on mortgage advisory services covering residential purchases, remortgaging, buy-to-let investments, commercial properties, and specialist products for complex circumstances. Supporting the mortgage business, IMB provides protection insurance (life, critical illness, income protection) and general insurance (buildings & contents, accident & sickness, unemployment). The service model features dedicated case managers, online mortgage portals for application tracking, and localized advisory across multiple UK regions. Mortgage terms extend up to 40 years, and the company serves diverse client segments including first-time buyers, self-employed individuals, those with adverse credit histories, and property investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Brokering Whole-of-market independent mortgage advisory providing access to over 90 lenders and 12,000+ mortgage products for individual consumers purchasing or remortgaging residential property.
• First Time Buyer Mortgages Specialist mortgage advisory for first-time buyers, including guidance on government schemes such as Help to Buy and Shared Ownership, tailored mortgage solutions, and access to first-time buyer rates.
• Bad Credit Mortgages Specialist mortgage service for customers with impaired credit histories, including CCJs, defaults, IVAs, debt management plans, bankruptcy discharge, and payday loans, accessing specialist lenders who consider applications on individual merits.
• Self-Employed Mortgages Mortgage advisory tailored for self-employed individuals, contractors, and freelancers, specialising in navigating complex income documentation and accessing lenders who understand variable income patterns.
• Remortgaging Refinancing services helping homeowners secure better mortgage deals, reduce monthly payments, release equity, or consolidate debt, with access to exclusive rates not available directly to consumers.
• Buy to Let Mortgages Mortgage products for property investors and professional landlords, including standard buy-to-let, portfolio landlord financing, and remortgage or refinance options for investment properties.
• Commercial Mortgages Financing for commercial property purchases including takeaways, restaurants, cafes, shops, guest houses, hotels, public houses, and offices.
• Right to Buy Mortgages Specialist advisory for council and housing association tenants purchasing their property under the Right to Buy or Right to Acquire schemes.
• Shared Ownership Mortgages Mortgage advisory for shared ownership purchases, helping buyers purchase a share of a property while paying rent on the remaining portion.
• Protection Products Insurance advisory covering life assurance, critical illness cover, income protection, family income benefit, key person cover, relevant life cover, and shareholder protection.
• General Insurance General insurance products covering buildings and contents, accident and sickness, and unemployment protection.

Named customers6 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature2 records

Partnerships

14 partnerships are on record, tiered minor.

• UK GeneralminorChannel Partner/ Reseller/ DistributorInsurance provider partner featured on the company's testimonials page, offering general insurance products including buildings and contents coverage.
• Beal HomesminorChannel Partner/ Reseller/ DistributorNew build housing developer partner whose properties are supported through the company's mortgage broking services.
• BellwayminorChannel Partner/ Reseller/ DistributorMajor UK housebuilder partner for new build mortgage arrangements.
• Kier LivingminorChannel Partner/ Reseller/ DistributorHousing developer partner for new build property purchases.
• KeepmoatminorChannel Partner/ Reseller/ DistributorHousebuilding partner providing new build properties supported by the company's mortgage services.
• Persimmon HomesminorChannel Partner/ Reseller/ DistributorLarge UK housebuilder partner for new build home purchases.
• Taylor WimpeyminorChannel Partner/ Reseller/ DistributorMajor national housebuilder partner for mortgage arrangements on new build properties.
• AvivaminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering life, critical illness, and income protection products.
• Legal & GeneralminorChannel Partner/ Reseller/ DistributorInsurance and financial protection products partner.
• AegonminorChannel Partner/ Reseller/ DistributorInsurance and investment protection products partner.
• ZurichminorChannel Partner/ Reseller/ DistributorGeneral insurance provider partner for protection products.
• RSA (Royal & Sun Alliance)minorChannel Partner/ Reseller/ DistributorCommercial and personal insurance provider partner.
• GuardianminorChannel Partner/ Reseller/ DistributorLife and protection insurance partner.
• UinsureminorChannel Partner/ Reseller/ DistributorInsurance specialist partner for mortgage and property protection.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Others

• Experian: Experian is a UK credit reference agency already integrated by IMB for credit scoring and identity verification. It is a key infrastructure provider to mortgage brokers and an enabling technology partner.
• Rightmove: Rightmove is the UK's largest property portal; it does not broker mortgages but its Mortgage Advice service connects buyers with advisers including IMB. It is an important acquisition channel and adjacent ecosystem player.

Direct peers

• Mojo Mortgages: Mojo Mortgages is a UK online mortgage broker offering whole-of-market advice, broadly comparable to IMB in product range and intermediation model but with a digital-led acquisition funnel.
• Trussle: Trussle is a UK online mortgage broker providing whole-of-market mortgage advice with a digital-first experience. It is a direct alternative to IMB for standard UK residential and remortgage customers.
• L&C Mortgages: L&C (London & Country) is the UK's largest fee-free mortgage broker with a whole-of-market lender panel, very similar in product breadth and intermediation model to IMB. It is the most direct pure-play peer for IMB's core service offering.
• Habito: Habito is a UK digital-first mortgage broker offering whole-of-market comparison and advice online. It directly competes with IMB for residential mortgage customers, particularly younger and first-time-buyer segments.
• Better.co.uk: Better.co.uk is a UK fee-free mortgage broker offering whole-of-market residential and remortgage advice. It overlaps directly with IMB's core residential and remortgage proposition.

Broad incumbents

• Mortgage Advice Bureau: MAB is a publicly listed UK mortgage broker network with thousands of advisers across the country. It competes with IMB for residential and specialist mortgage cases but operates at materially larger scale through an AR model.
• Newcastle Building Society: Newcastle Building Society is a UK mutual lender and adviser that both funds and distributes mortgages, including specialist segments. It is a broader incumbent competing with IMB at the lender and advice layer.

Regional players

• FPS Mortgages: FPS Mortgages is a UK regional mortgage broker with a similar whole-of-market intermediary model to IMB. Most directly comparable as a similarly-sized regional competitor serving overlapping client segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/IMB_online
• Facebookfacebook.com/imbonline.co.uk
• LinkedInlinkedin.com/company/28823147
• Instagraminstagram.com/independent_mortgage_brokers/?hl=en-gb

Compliance1 record

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 Independent Mortgage Brokers