Active Mortgage Services
Active Mortgage Services is a UK-based, FCA-authorised independent mortgage and insurance intermediary founded in 1971, serving individual consumers across mortgage advice and protection insurance products through personalised advisory consultations.
- Company typePrivate
- Founded1971
- HeadquartersGuisborough, United Kingdom
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Active Mortgage Services does
Active Mortgage Services Limited is a privately held, FCA-authorised (FRN 473140) independent mortgage and insurance intermediary headquartered in Guisborough, Cleveland, UK. Founded in 1971, the firm operates as a multi-generational family-owned advisory serving UK consumers across five mortgage categories — first-time buyer, moving home, remortgage, buy-to-let, and equity release — alongside two general insurance lines (buildings, contents) and three protection insurance lines (life, critical illness, income protection). The business is delivered through personalised telephone, in-person, and virtual consultations under a sales-led GTM motion, with no disclosed proprietary technology platform and a headcount band of 1-10. Revenue is generated via adviser fees and commissions from a panel of lenders and insurers, including a constrained equity release offering recommended exclusively through Equity Release Council member lenders, and supplementary cross-referral activity with sister entities Dwela and Active Business Protection within the family-owned 'Active Family of businesses.'
Active Mortgage Services firmographics
Firmographics- Name
- Active Mortgage Services
- Legal name
- Active Mortgage Services Limited
- Website
- https://activemortgageservices.co.uk
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Active Mortgage Services is a UK-based, FCA-authorised independent mortgage and insurance intermediary founded in 1971, serving individual consumers across mortgage advice and protection insurance products through personalised advisory consultations.
- Ownership category
- akta.pro rank
Active Mortgage Services industry classification
Industry- Product category
- Mortgage Advisory Services
- 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
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Commercial Mortgage Brokerage (FSAEAEAB), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
Keywords
Where Active Mortgage Services is headquartered
LocationHeadquarters
- HQ city
- Guisborough
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Active Mortgage Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Mortgage Advisory and Intermediation Services: The company acts as a mortgage intermediary providing independent mortgage advice. Revenue is generated through adviser fees and commissions from lenders and insurance providers. The primary basis for processing client data is for performance of contracts to provide mortgage and insurance advice and intermediation services.
- Insurance Products Distribution: The company provides advice on protection insurance products (life insurance, critical illness insurance, income protection insurance) and general insurance (buildings and contents insurance). Revenue is generated through commissions from insurance product providers. The company works with a panel of insurers to find competitive quotes for clients.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Active Mortgage Services product offering
Product offeringCore offering
Active Mortgage Services is an FCA-authorised independent mortgage intermediary offering personalised mortgage and protection insurance advice to UK consumers. Its core offering spans mortgage advisory for first-time buyers, homeowners moving/remortgaging, buy-to-let investors, and equity release clients, complemented by general insurance (buildings and contents) and protection insurance (life, critical illness, income protection) products sourced from a panel of lenders and insurers.
Product overview
Active Mortgage Services is a financial advisory firm offering a portfolio of mortgage and insurance products delivered through personalised independent advice. The core offering comprises five mortgage advisory services—First Time Buyer, Moving Home, Remortgage, Buy-to-Let, and Equity Release—supported by two general insurance products (Buildings Insurance and Contents Insurance) and three protection insurance products (Life Insurance, Critical Illness Insurance, and Income Protection Insurance). These services are provided through regulated advisers who match clients with appropriate lenders and insurers from their panel relationships.
Differentiator
Problem solved
Functional benefit
Products and services
- First Time Buyer Mortgage Advice Mortgage advisory service guiding first-time buyers through the complete home purchase process, from determining borrowing capacity to application submission and completion. Targeted at individuals purchasing their first home.
- Moving Home Mortgage Advice
- Remortgage Advice
- Buy-to-Let Mortgage Advice
- Equity Release Advisory
- Buildings Insurance Insurance advisory covering the physical structure of properties, including roofs, walls, and permanent fixtures, protecting against damage from fire, floods, or storms.
- Contents Insurance
- Life Insurance
- Critical Illness Insurance
- Income Protection Insurance
Companies that use Active Mortgage Services
Customer profileSegments5 records
Ideal customer profiles5 records
Active Mortgage Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Active Mortgage Services partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- DwelaminorRelated company under the same family-owned business group. Appears to be a sister company within the Active Family of businesses, though the specific nature of the relationship is not detailed on the website.
- Active Business ProtectionminorRelated company under the same family-owned business group providing business protection services. Appears to be a sister company within the Active Family of businesses, providing complementary insurance services.
Scale indicators3 records
Recent moves5 records
Expansion highlights3 records
Active Mortgage Services competitors and assessment
Company assessmentDirect peers
- John Charcol: Specialist UK mortgage broker focusing on complex cases including later-life lending, buy-to-let, and high-value mortgages. Comparable to Active Mortgage Services in serving sophisticated borrower segments and offering equity release advisory.
- Drewberry Insurance: UK adviser offering mortgage, life insurance, income protection, and critical illness advice. Closely overlaps Active Mortgage Services' combined mortgage-and-protection proposition with an independent adviser model.
- London & Country Mortgages: Long-established UK whole-of-market mortgage broker offering telephone and online advice across residential, buy-to-let, and remortgage products. Closely mirrors Active Mortgage Services' independent adviser positioning and fee/commission revenue mix.
- Trinity Financial: UK whole-of-market mortgage broker with advisers offering residential, remortgage, buy-to-let, and protection advice. Comparable independent intermediary model with cross-sell of insurance products.
- Mortgage Advice Bureau: UK's largest mortgage broker network with thousands of advisers offering whole-of-market mortgage and protection advice. Directly comparable independent adviser model serving first-time buyers, movers, remortgagors, and buy-to-let clients, but at much greater scale than Active Mortgage Services.
- SPF Private Clients: UK mortgage broker providing advice on residential, buy-to-let, and high-value mortgages plus protection insurance. Directly comparable product set and adviser-led distribution model.
- Hannover Mortgages: UK mortgage broker arranging residential, buy-to-let, and equity release mortgages through adviser relationships. Directly comparable independent broker offering later-life lending capabilities similar to Active Mortgage Services' equity release specialism.
Broad incumbents
- Skipton Building Society: Large UK building society offering mortgages, savings, and insurance directly and through intermediaries. Acts as a lender whose products Active Mortgage Services places, and competes with brokers for direct mortgage customers.
Emerging players
- Habito: Digital-first UK mortgage broker offering online and phone-based whole-of-market advice. Competes for the same borrower segments as Active Mortgage Services but via a tech-enabled, lower-cost delivery model.
Others
- Zoopla: UK property portal that connects homebuyers with estate agents and increasingly with mortgage advisers. Adjacent ecosystem participant influencing lead generation for mortgage brokers like Active Mortgage Services.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Active Mortgage Services social profiles
Digital presenceActive Mortgage Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Active Mortgage Services leadership team
Management profileNumber of profiles
Profiles1 record
Active Mortgage Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Active Mortgage Services 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 Active Mortgage Services
What does Active Mortgage Services do?
Active Mortgage Services is an FCA-authorised independent mortgage intermediary offering personalised mortgage and protection insurance advice to UK consumers. Its core offering spans mortgage advisory for first-time buyers, homeowners moving/remortgaging, buy-to-let investors, and equity release clients, complemented by general insurance (buildings and contents) and protection insurance (life, critical illness, income protection) products sourced from a panel of lenders and insurers.
Is Active Mortgage Services a public or private company?
Active Mortgage Services is a private company. It is classified as family owned and is currently operating.
When was Active Mortgage Services founded?
Active Mortgage Services was founded in 1971. It employs 1 to 10 people.
Where is Active Mortgage Services based?
Active Mortgage Services is headquartered in Guisborough, United Kingdom, in the Europe region.
How does Active Mortgage Services make money?
Two revenue lines are on record. Mortgage Advisory and Intermediation Services are the primary driver. The others are insurance Products Distribution.
Who are Active Mortgage Services's main competitors?
Direct peers on record are John Charcol, Drewberry Insurance, London & Country Mortgages, Trinity Financial, Mortgage Advice Bureau, SPF Private Clients and Hannover Mortgages. Skipton Building Society is listed as a broad incumbent. Habito is listed as an emerging player. Zoopla is listed as an others.
Does Active Mortgage Services have an API?
No public API is recorded for Active Mortgage Services.
What industry is Active Mortgage Services in?
Active Mortgage Services's product category is Mortgage Advisory Services. 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.