What Sirius Property Finance does

Sirius Property Finance is the specialist, client-facing property finance brokerage arm of the Brightstar Group, operating as an FCA-regulated credit broker (Appointed Representative of Bright Star Financial Limited, FRN 712700) with headquarters in London and a registered office in Billericay, Essex. The firm arranges secured property debt for UK property investors, developers, commercial operators and high net worth individuals across six core product lines: Residential Mortgages, Investment Finance, Commercial Finance, Structured Finance (development, bridging, mezzanine, JV equity), Asset Finance, and Insurance through its in-house Solstar Insurance Brokers subsidiary. Sirius differentiates on the complexity axis, focusing on transactions mainstream lenders decline - mixed-use, HMO, hospitality, care homes, development exit, complex income - and arranges deals ranging from £50,000 to £70m+ in size.

The underlying technology is modest: the proprietary "Launchpad" portal provides clients with login-based application tracking and deal management, but the core moat is human capital and lender relationships rather than software. Sirius draws on a panel of 180+ lenders (high street, challenger and specialist) and serves alongside Brightstar Financial, which handles B2B intermediary distribution; the group collectively services over 75% of the UK intermediary market and arranged £1.3 billion of property debt for clients in 2024.

The business model is commission-based brokerage. Sirius earns lender and/or client commissions that vary by lender, product and complexity, with the commission model confirmed to clients before proceeding; insurance commissions flow through Solstar. GTM is sales-led, combining direct client engagement (typically HNW, developers, commercial operators) with a referral and introducer network of mortgage brokers, IFAs and property professionals. The firm employs roughly 71 staff group-wide and is privately held, with no external venture or growth-equity funding disclosed.

Name

Sirius Property Finance

Legal name

Sirius Property Finance Group Limited

Website

https://siriusfinance.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Sirius Property Finance is a UK FCA-regulated credit broker arranging specialist residential, commercial, development and bridging property finance for investors, developers and high net worth clients via a 180+ lender panel, with ancillary in-house insurance through Solstar.

Ownership category

akta.pro rank

Product category

Specialist Property Finance Brokerage

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Specialist mortgage brokerage
• Property finance advisory
• Commercial property lending
• Development finance brokerage
• Buy-to-let finance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Broker Commission: Sirius operates as a credit broker earning commission from lenders and clients for arranging property finance solutions. They state 'We may receive commissions that will vary depending on the lender, product, or other permissible factors.' Commission models are confirmed before proceeding with any transaction.
2. Insurance Broking: Through Solstar Insurance Brokers (in-house), the company arranges insurance policies for property investors, earning broker commissions on placed coverage including landlord liability, buildings insurance, and specialist property protection.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Sirius Property Finance is a UK specialist finance broker that arranges residential, investment, commercial, structured, asset and property insurance finance on behalf of property investors, developers, landlords and commercial operators. Operating as an Appointed Representative of Bright Star Financial Limited (FCA FRN 712700), the firm leverages a panel of 180+ lenders to source bespoke mortgage, bridging, development and structured finance solutions for complex property transactions that mainstream lenders typically decline.

Product overview

Sirius Property Finance is a specialist finance broker providing a bespoke brokerage and debt advisory service for real estate finance transactions. The company operates as a multi-product specialist lender intermediary offering six core service lines: Residential Mortgages, Investment Finance, Commercial Finance, Structured Finance (including development and bridging finance), Asset Finance, and Insurance through its Solstar Insurance Brokers subsidiary. The firm leverages relationships with over 180 lender partners to arrange bespoke financing solutions for complex property transactions, serving clients from first-time investors to high-net-worth individuals and property developers. The Launchpad portal provides clients with a login-based platform to manage their applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Specialist residential mortgage advisory including first charge mortgages, buy-to-let, HMO lending, holiday lets, and complex borrower profiles requiring non-standard income or adverse credit underwriting. Targeted at individual and corporate property investors and owner-occupiers.
• Investment Finance Property investment financing for long-term rental yield and capital gain, covering purchase, refinance and refurbishment solutions for residential and commercial investment properties. Deal sizes range from £50,000 to £70m+.
• Commercial Finance Commercial mortgage and lending solutions across healthcare, hospitality, student accommodation, retail, office, industrial and HMO sectors, including mixed-use and semi-commercial property finance.
• Structured Finance Complex development and structured lending including development finance, senior and stretched senior debt, equity, joint venture, bridging, mezzanine, auction finance and development exit facilities. Sized between £450k and £70m+.
• Asset Finance Equipment and business asset financing including hard assets (commercial vehicles, plant, machinery), soft assets (IT, hospitality equipment), structured asset refinance and specialist car finance, arranged for mid-market and structured deals.
• Insurance (Solstar Insurance Brokers) In-house specialist property investor insurance arranging landlord liability, buildings insurance, rent guarantee, contents cover and legal expenses for buy-to-let, HMO, commercial, development site and hospitality portfolios.

Quantifiable outcome

• £1.3 billion debt raised for clients in 2024
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core, key and notable.

• Brightstar Financial LimitedcoreStrategic or Co-development Partner · 1 January 2016Sirius is the specialist, client-facing arm of the Brightstar Group. Brightstar Financial Limited is the parent company and Appointed Representative. Brightstar Group is the UK's largest and most celebrated B2B mortgage broker, founded in 2011 with Sirius established as the specialist division in 2016. The group includes Brightstar Financial, Sirius Finance, and Solstar Insurance Brokers.
• Solstar Insurance BrokerscoreStrategic or Co-development Partner · 1 January 2016Solstar Insurance Brokers is the in-house insurance broker of the Brightstar Group/Sirius Finance. They arrange full suite protection policies for property investors, developers, and hospitality businesses. Solstar can arrange policies covering buy-to-let, HMOs, commercial properties, development sites, and hospitality premises.
• Law Firms and SolicitorskeyStrategic or Co-development PartnerSirius works closely with solicitors and law firms for property finance transactions, maintaining strong professional relationships for efficient deal completion.
• Surveyors and ValuerskeyStrategic or Co-development PartnerSirius maintains relationships with surveyors and valuation professionals essential for property assessments across residential, commercial, and specialist property types.
• Women in Finance CharternotableStrategic or Co-development PartnerSirius/Brightstar Group is a signatory to the Women in Finance Charter, demonstrating commitment to gender diversity in the financial services sector. Clare Jupp serves as an active supporter and campaigner for the charter.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Habito: UK online mortgage broker using technology to match borrowers with lender products. Comparable as a UK mortgage broker intermediary but represents an emerging digital-only model that could disrupt traditional relationship-led brokers like Sirius, particularly in standard BTL/residential cases.
• Trussle: UK online mortgage broker offering whole-of-market mortgage advice through a digital platform. Comparable to Sirius as a UK mortgage broker intermediary but operates a tech-led self-serve model that competes for the same borrower demand, particularly in standardised residential and BTL flows.

Direct peers

• Brightstar Financial: Parent and sister brand within the Brightstar Group and the UK's largest B2B mortgage broker. Directly comparable as both operate within the same regulated intermediary ecosystem, share the FCA authorisation (FRN 712700), and offer overlapping specialist mortgage and property finance products to UK intermediaries and borrowers.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market residential and buy-to-let advice. Directly comparable as a UK-wide credit broker intermediating between borrowers and a large lender panel, with a similar commission-based revenue model and focus on intermediary/introducer distribution.
• SPF Private Clients: UK specialist finance broker serving high-net-worth and property investor clients with mortgages, BTL, bridging and development finance. Comparable as a specialist credit broker with a similar product breadth across residential, commercial and structured property finance and a focus on complex cases.
• Henry Dannell: Specialist UK mortgage broker focused on high-net-worth borrowers, complex income and large-ticket residential and buy-to-let finance. Directly comparable to Sirius's residential/investment finance specialism, particularly on complex borrower profiles requiring specialist lender access.
• Bluefin Capital: UK specialist finance broker arranging residential, buy-to-let, commercial, bridging and development finance. Comparable to Sirius as a multi-product specialist intermediary with a similar lender panel and intermediary distribution model.
• Enness: UK specialist mortgage broker focused on high-net-worth, high-value and complex income cases. Directly comparable to Sirius as a specialist intermediary serving property investors, developers and HNW clients with bespoke finance solutions requiring non-mainstream lender access.

Broad incumbents

• Lloyds Banking Group: UK high-street banking group including Halifax, Scottish Widows and BM Solutions, one of the largest mortgage lenders in the country. Comparable as both a key lender counterparty on Sirius's panel and a broad incumbent that defines the 'mainstream' mortgage market against which Sirius's specialist intermediation value proposition is positioned.
• Nationwide Building Society: UK high-street mortgage lender and one of the largest residential and BTL mortgage providers. Comparable to Sirius as a counterparty in the UK mortgage ecosystem — Nationwide (and its specialist subsidiaries like UCB Home Loans) sits on Sirius's lender panel and represents the mainstream lender end of the spectrum that Sirius routes complex cases away from.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SiriusGroupUK
• LinkedInlinkedin.com/company/siriusfinanceuk
• Instagraminstagram.com/siriusfinance_

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 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 Sirius Property Finance