Mortgage Required
Mortgage Required Ltd is an FCA-authorised UK independent mortgage broker, founded 2001 and based in Maidenhead, advising consumers across first-time purchase, remortgage, buy-to-let, equity release, and specialty mortgage products via fee-based arrangement and insurance referral revenue streams.
- Company typePrivate
- Founded2001
- HeadquartersMaidenhead, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Mortgage Required does
Mortgage Required Ltd is an FCA-authorised (reference 573718) independent mortgage broker based in Maidenhead, Berkshire, operating since 2001. The firm advises UK consumers across the full mortgage lifecycle — first-time purchase, residential purchase, remortgage, equity release / later-life lending, and buy-to-let — and has expanded into a broad catalogue of specialty products including shared ownership, contractor, expat, Islamic, armed forces, bridging, development finance, and 100% mortgages. The core operational model is human advisory: customers engage via phone, video, or in-person consultation, and advisors compare the whole market daily across a broad lender panel (Nationwide, Barclays, Santander, HSBC, NatWest, TSB, Metro Bank, Leeds and Coventry Building Societies, Virgin Money, TMW, Clydesdale) to recommend products matched to the customer's circumstances. The firm is led by Tracy Gordon (Director of Operations and Compliance), with 11–50 employees headquartered at Finance House, 5 Bath Road, Maidenhead.
The business makes money primarily through transaction fees on mortgage arrangements, estimated at £399–£599 per case, with advice itself provided free of charge. A secondary revenue stream comes from insurance referral fees via a dedicated channel partnership with Insurance Room (insuranceroom.co.uk), where the firm receives compensation from the insurance provider rather than the customer. Adjacent monetisation levers include referral arrangements for valuations, surveys, and conveyancing, all positioned as value-add services to the mortgage transaction. Distribution relies on a sales-led, consultative GTM with content marketing support — an advice blog covering rates, policy changes, and buyer education, plus email newsletters and a free First Time Buyer pack — driving top-of-funnel awareness that converts into booked appointments.
From a competitive positioning standpoint, Mortgage Required competes on whole-of-market access and lifetime advisory relationships (ongoing market reviews for the life of the loan), supported by self-reported 100% very-good-or-excellent customer satisfaction and a 2025 figure of 748 first-time buyers helped. The firm is privately held with no disclosed investors, funding rounds, or M&A activity, operating as a stable, owner-managed independent brokerage rather than a venture-backed platform.
Mortgage Required firmographics
Firmographics- Name
- Mortgage Required
- Legal name
- Mortgage Required Ltd
- Website
- https://mortgagerequired.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mortgage Required Ltd is an FCA-authorised UK independent mortgage broker, founded 2001 and based in Maidenhead, advising consumers across first-time purchase, remortgage, buy-to-let, equity release, and specialty mortgage products via fee-based arrangement and insurance referral revenue streams.
- Ownership category
- akta.pro rank
Mortgage Required industry classification
Industry- 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
- Commercial Mortgage Brokerage (FSAEAEAB)
Keywords
Where Mortgage Required is headquartered
LocationHeadquarters
- HQ city
- Maidenhead
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Mortgage Required 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 Arrangement Fees: Fees charged for arranging mortgages. There is no fee for mortgage advice, but a fee applies for arranging a mortgage, estimated between £399 and £599 depending on circumstances.
- Insurance Referral Fees: No fee charged to customers for insurance services as the fee comes from the insurance provider.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | Mortgage Arrangement Fee |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Mortgage Required product offering
Product offeringCore offering
Mortgage Required is an independent, FCA-regulated mortgage broker (FCA reference 573718) that compares the whole UK mortgage market to match individual consumers with suitable mortgage products. Its core offering is free, advice-led brokering across residential purchase, remortgage, first-time buyer, buy-to-let, and equity release lending, with mortgage arrangement fees of £399–£599 charged per completed case and an ongoing lifetime loan review service.
Product overview
Mortgage Required is an independent mortgage broker offering a comprehensive suite of mortgage advisory and brokering services. Their core offerings include first-time buyer mortgages, residential purchase mortgages, re-mortgage services, equity release/later-life lending, and buy-to-let mortgages. They also offer an extensive range of specialized mortgage products including government schemes, shared ownership, contractor mortgages, bad credit mortgages, large mortgages, development finance, bridging finance, and Islamic mortgages. The company operates as an independent broker comparing the whole mortgage market to find the best products for each customer's circumstances. Adjacent services include insurance products (provided through their partner insuranceroom.co.uk), valuations and surveys, conveyancing, and credit score improvement guidance. They also provide a mortgage calculator tool and maintain an educational blog resource. The company is FCA regulated (reference 573718) and offers both in-person and video/phone consultation options.
Differentiator
Problem solved
Functional benefit
Products and services
- First Time Buyer Mortgages Independent mortgage advice and arrangement service for UK first-time homebuyers, including whole-of-market product comparison, jargon-busting guidance, and a free First Time Buyer pack.
- Residential Purchase Mortgages Advisory and arrangement of mortgages for individuals purchasing a home to live in, comparing the whole mortgage market to find the best offer for the customer's circumstances.
- Re-mortgage Services Advisory service to help clients switch to new mortgage deals, either with their current or a new lender, to potentially save money or release equity, including ongoing lifetime loan reviews.
- Equity Release / Later-Life Lending Products and advice enabling homeowners aged 50+ to release money locked up in their property, delivered in an unpressurised advisory environment.
- Buy-to-Let Mortgages Mortgage advisory and arrangement for professional landlords, first-time investors, and accidental landlords, helping develop property portfolios and maximise profitability.
- Specialist / Other Mortgage Types Additional specialist mortgage products including government schemes, Shared Ownership, 100% mortgages, complex mortgages, contractor mortgages, debt consolidation, bad credit mortgages, large mortgages, secured loans, development finance, armed forces mortgages, bridging finance, expat mortgages, 95% mortgages, Islamic mortgages, Own New Rate Reducer Scheme, and mortgage capacity letters.
- Mortgage Calculator Online tool that helps potential borrowers calculate mortgage payments and understand affordability.
- Insurance Services Tailored insurance products including life cover, mortgage protection, critical illness cover, buildings and contents insurance, landlord insurance, and accident, sickness and unemployment cover, delivered through dedicated partner Insurance Room.
- Valuations and Surveys Property valuation and survey services to support mortgage applications and property purchases, coordinated by Mortgage Required.
- Conveyancing Services Legal property-transaction services coordinated through Mortgage Required's network of trusted conveyancing providers.
- Credit Score Improvement Guidance Advice and resources to help borrowers improve their credit scores to qualify for better mortgage products.
Quantifiable outcome
- 100% of customers rate the service as Very Good or Excellent
Companies that use Mortgage Required
Customer profileSegments8 records
Ideal customer profiles5 records
Mortgage Required technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Mortgage Required partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Insurance Room (insuranceroom.co.uk)coreDedicated insurance partner providing tailored insurance products to Mortgage Required clients. Insurance Room offers policies that suit customer requirements and budget with no forms to fill in for customers.
- IPFA (Institute of Financial Planning Association)minorAffiliation with IPFA professional body for financial planning standards
- UK Mortgage Lenders (Nationwide, Barclays, Santander, HSBC, NatWest, TSB, Metro Bank, Leeds Building Society, Coventry Building Society, Virgin Money, TMW, Clydesdale Bank)coreAs an independent broker, Mortgage Required works with major UK mortgage lenders to access their products for customers, shown in their trusted partners logo section.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Mortgage Required competitors and assessment
Company assessmentEmerging players
- Habito: UK digital-first mortgage broker and lender offering online and broker-assisted advice across residential, buy-to-let, and specialist products. Direct competition to Mortgage Required in residential and remortgage segments, differentiated by technology-led customer experience.
- BetterBorrow: UK mortgage broker offering whole-of-market comparison and advice across residential, remortgage, and buy-to-let products. Competes with Mortgage Required across core customer segments; smaller scale but similar fee-led revenue model.
- Trussle (Mojo Mortgages): Online mortgage broker providing whole-of-market comparison and broker support for UK residential and remortgage customers. Competes for the same first-time buyer and remortgage segments as Mortgage Required, with a tech-led GTM.
Direct peers
- John Charcol: Long-established London-based independent mortgage broker specialising in residential, buy-to-let, and high-value/complex mortgages. Comparable to Mortgage Required in advisory-led model and specialist product breadth, with longer tenure in the London market.
- Private Finance: Independent whole-of-market mortgage broker offering advice on residential, buy-to-let, and large/complex mortgages. Comparable business model and product breadth to Mortgage Required, with national reach rather than Maidenhead-anchored.
- SPF Private Clients: Independent mortgage broker focused on high-value residential, buy-to-let, and complex/portfolio lending for professional clients. Closely comparable to Mortgage Required's specialist and buy-to-let segments, with a higher-end client focus.
- London & Country Mortgages: One of the UK's largest independent mortgage brokers offering whole-of-market advice across residential, buy-to-let, and remortgage products. Direct comparable to Mortgage Required in business model, fee structure, and customer segments, but operates at significantly greater scale nationally.
- Zebra Mortgage Solutions: UK independent mortgage broker offering whole-of-market advice across residential, buy-to-let, remortgage, and specialist lending. Closely comparable in scale, product breadth, and advisory-led GTM to Mortgage Required.
Broad incumbents
- Mortgage Advice Bureau: UK-wide mortgage advice business operating through a network of AR (appointed representative) advisers offering whole-of-market advice. Larger and broader than Mortgage Required, but directly comparable in product offering and customer segments.
Others
- MoneySupermarket (Mortgage channel): UK price comparison platform with a major mortgage comparison vertical that refers customers to brokers and direct lenders. Indirect competitor to Mortgage Required as a lead source rather than a broker, but materially shapes customer acquisition economics for the broker channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Mortgage Required social profiles
Digital presenceMortgage Required financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mortgage Required leadership team
Management profileNumber of profiles
Profiles1 record
Mortgage Required funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mortgage Required 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 Required
What does Mortgage Required do?
Mortgage Required is an independent, FCA-regulated mortgage broker (FCA reference 573718) that compares the whole UK mortgage market to match individual consumers with suitable mortgage products. Its core offering is free, advice-led brokering across residential purchase, remortgage, first-time buyer, buy-to-let, and equity release lending, with mortgage arrangement fees of £399–£599 charged per completed case and an ongoing lifetime loan review service.
Is Mortgage Required a public or private company?
Mortgage Required is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Mortgage Required founded?
Mortgage Required was founded in 2001. It employs 11 to 50 people.
Where is Mortgage Required based?
Mortgage Required is headquartered in Maidenhead, United Kingdom, in the Europe region.
How does Mortgage Required make money?
Two revenue lines are on record. Mortgage Arrangement Fees are the primary driver. The others are insurance Referral Fees.
Who are Mortgage Required's main competitors?
Emerging players on record are Habito, BetterBorrow and Trussle (Mojo Mortgages). Direct peers are John Charcol, Private Finance, SPF Private Clients, London & Country Mortgages and Zebra Mortgage Solutions. Mortgage Advice Bureau is listed as a broad incumbent. MoneySupermarket (Mortgage channel) is listed as an others.
Does Mortgage Required have an API?
No public API is recorded for Mortgage Required.
What industry is Mortgage Required in?
Mortgage Required's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6163.