One2One Mortgage Solutions

What One2One Mortgage Solutions does

One2One Mortgage Solutions Limited is a fee-free whole-of-market mortgage and insurance broker operating in South Wales. Founded in 2012 by Mark Taylor and Niall James, the firm is FCA-authorised (register number 743054) and operates from offices in Cwmbran and Pontypool. Its core offering is brokerage access to more than 90 UK lenders across first-time buyer, home-mover, remortgage, and buy-to-let mortgage products, complemented by a whole-of-market insurance brokerage covering life, critical illness, income protection, and home & contents insurance through a 5-star defaqto panel of insurers.

The underlying platform is a conventional whole-of-market lender search and comparison system; no proprietary technology, AI, or software product is disclosed. Service delivery is conducted through office appointments, home visits, and a basic website with location pages for Cwmbran and Pontypool. The firm is the sister company of One2One Estate Agents, enabling an integrated property search-to-mortgage referral flow. The team consists of approximately 7–10 staff including co-founders, a compliance manager, case handlers, and mortgage and protection advisors.

The business model is commission-only: clients pay no broker fee, and revenue is generated solely through proc fees received from lenders upon mortgage completion and from insurance product placement. The company serves individual consumers and SMB borrowers across the Torfaen and Gwent regions, with no disclosed enterprise or B2B counterparties. No external investment, M&A activity, or funding rounds are recorded in the source materials, and the founders retain operational control.

Name

One2One Mortgage Solutions

Legal name

One2One Mortgage Solutions Limited

Website

https://one2onemortgagesolutions.co.uk

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Fee-free whole-of-market mortgage and insurance broker serving South Wales, accessing over 90 UK lenders. Founded 2012, operating from Cwmbran and Pontypool offices with a commission-only revenue model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage
• Whole of market broker
• Remortgage advice
• Protection insurance
• First-time buyer mortgages

Headquarters

HQ city

Pontypool

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. Lender Commission: The company earns commission from lenders when a mortgage is finalized. This is the primary revenue source that enables the fee-free service model where clients pay no broker fee for advice and assistance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

One2One Mortgage Solutions is a fee-free, whole of market mortgage and insurance broker based in South Wales. It provides residential mortgage advice across first-time buyer, home mover, remortgage, and buy-to-let categories by searching over 90 UK lenders, and also arranges life, critical illness, income protection, and home and contents insurance through a 5-star defaqto panel. Clients receive advice at no broker fee, with revenue generated through lender commissions.

Product overview

One2One Mortgage Solutions operates as a unified whole of market mortgage and insurance brokerage platform. The core offering combines a fee-free mortgage broker service (accessing over 90 lenders for first-time buyer, remortgage, and buy-to-let products) with a whole of market insurance brokerage (providing life, critical illness, income protection, and home insurance through a defaqto panel). The two services are positioned together as complementary protection products, with mortgage services forming the primary business and insurance acting as an associated protection offering. All services share the fee-free model and whole-of-market access proposition, with offices in Cwmbran and Pontypool serving South Wales clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Whole of Market Mortgage Broker Service Fee-free whole of market mortgage brokerage providing access to over 90 UK lenders, covering first-time buyer, remortgage, and buy-to-let mortgage needs for individual consumers.
• Whole of Market Insurance Broker Service Whole of market insurance brokerage providing life and critical illness, income protection, and home and contents insurance advice through a 5-star defaqto panel of insurers.

Quantifiable outcome

• 5-star Trustpilot rating as fee-free whole of market mortgage broker in Gwent

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• One2One Estate AgentscoreChannel Partner/ Reseller/ DistributorOne2One Mortgage Solutions is a sister company to One2One Estate Agents. The two companies work together under one roof to provide a seamless experience from property search to mortgage approval. This partnership allows clients to have both property search and mortgage financing handled within the One2One group, simplifying the home buying process.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Trussle: UK online mortgage broker offering whole-of-market comparison and broker service (now owned by Lloyds Banking Group). Comparable whole-of-market, no-fee-to-customer model targeting first-time buyers and remortgagors, with digital onboarding as the key differentiator versus One2One's relationship-led regional approach.
• Habito: UK digital-first whole-of-market mortgage broker offering free online advice and execution. Comparable on whole-of-market breadth and fee-free proposition, but differentiated by a digital-only delivery model rather than One2One's home-visit, regional office approach; represents the disruptive digital alternative One2One competes against.

Direct peers

• Mortgage Advice Bureau: UK-wide network of mortgage advisers offering whole-of-market mortgage and protection advice on a fee-free, commission-based model. Directly comparable in product set, intermediation model and customer segments (first-time buyers, movers, remortgagors, BTL), though operating via an appointed-representative network rather than a single regional office.
• Fluent Money: UK whole-of-market mortgage and protection broker offering residential, BTL, and remortgage advice with an integrated insurance offering. Comparable in fee-free/commission-based economics, broad lender panel access and protection cross-sell, though operating nationally rather than regionally.
• London & Country Mortgages: One of the UK's largest whole-of-market mortgage brokers, accessing the full lender panel and offering fee-free advice funded by lender commission. Directly comparable in business model, customer base (UK mortgage borrowers), and fee-free whole-of-market positioning to One2One, but at national scale.
• LifeSearch: UK specialist life and protection insurance broker that whole-of-market searches income protection, critical illness and life cover. Comparable to One2One's insurance arm, providing fee-free advice funded by insurer commission, with similar customer demographics of UK mortgage holders and homeowners.
• John Charcol: Long-established UK whole-of-market mortgage broker offering fee-free advice funded by lender commission across residential, BTL and remortgage products. Highly comparable business model and product set, but with broader national reach and longer brand history than One2One.
• Alexander Hall: London-headquartered fee-free whole-of-market mortgage broker serving UK borrowers with adviser-led service. Directly comparable on whole-of-market access, fee-free model, and customer base, with overlapping service lines including first-time buyer, remortgage and BTL advice.

Regional players

• Drewberry Insurance: UK fee-free whole-of-market insurance broker specialising in life insurance, income protection and critical illness cover. Comparable to One2One's insurance arm on whole-of-market, fee-free economics and product set; relevant as a protection-only peer that One2One could partner with or compete against for the insurance wallet share.

Broad incumbents

• Countrywide Mortgage Services: Large UK estate-agency-owned mortgage broking business offering whole-of-market mortgage and protection advice at scale, embedded within the Countrywide estate agency network. Comparable mortgage + protection intermediation model, with the key contrast being scale, branch network and an estate-agency parent versus One2One's two-office regional model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/one2one-mortgage-solutions-ltd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 One2One Mortgage Solutions