Peritus Private Finance

What Peritus Private Finance does

Peritus Private Finance is a UK-based, FCA-authorised (Registration 729282) whole-of-market independent mortgage broker founded in 1998 by Darren Baker and headquartered in Gateshead, with a secondary London office. The firm intermediates residential, buy-to-let, bridging, self-build, HNW, international/ex-pat and equity release mortgage cases, alongside protection and wealth advisory, for UK private clients, self-employed borrowers, and foreign nationals. Service is delivered by qualified human advisers rather than through a proprietary technology platform.

The business operates a multi-brand architecture: Peritus Private Finance (core advisory), Peritus Network (introducer channel for self-employed advisers, established 2017), Peritus International (ex-pat and foreign-national lending), and Peritus Wealth (wealth management). Specialist niches — particularly self-build, lifetime/equity release, and international — are supported by formal qualifications (e.g., Certificate in Equity Release) and partnerships (e.g., Protek for structural warranties).

Revenue is generated on a transactional basis through case fees plus lender commission. Standard mortgage fees are £495, self-build £695–£995, international up to 1% of loan (capped at £2,500), lifetime mortgages £495, and protection income via provider commission. The firm is unbacked by external funding and operates organically within a stated 1–10 employee headcount band. Founder and CEO Darren Baker died on 25 March 2025, and operational leadership has since transitioned to existing senior staff, which is the principal governance event shaping near-term trajectory.

Name

Peritus Private Finance

Legal name

Peritus Private Finance Limited

Website

https://peritusprivatefinance.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Peritus Private Finance is a UK FCA-regulated whole-of-market independent mortgage broker founded in 1998, advising private clients on residential, buy-to-let, self-build, HNW, international, and equity release mortgages plus protection and wealth services via specialist human advisers.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage & Financial Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

Keywords

• Mortgage brokerage
• Financial advisory services
• Wealth management
• Equity release advice
• Protection insurance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory and Arrangement: For mortgages, Peritus can be paid by commission or a fee of usually £495 or a combination of both. The fee charged is dependent on individual circumstances and is explained at the start of the client relationship.
2. Self-Build Mortgage Fees: Peritus charges a broker fee for self-build mortgage advice depending on complexity. Typically between £695-995, plus commission from the lender.
3. International Mortgage Fees: A fee of up to 1% of the loan amount with a maximum charge of £2,500 is payable for international mortgage advice. Commission is also received from the lender.
4. Lifetime Mortgage Service: Initial consultation is free; a fee of £495 is payable upon application for lifetime mortgage service. Commission received from the lender.
5. Protection Products: Commission from protection providers (life insurance, critical illness cover, income protection) for arranging policies on behalf of clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Peritus Private Finance is a whole-of-market independent mortgage broker delivering expert mortgage, protection, and later life financial planning advice to UK private clients. The firm arranges residential, buy-to-let, bridging, self-build, interest-only, high net worth, and international mortgages, alongside equity release, life and critical illness cover, and financial planning and wealth management services. Advisers are supported through the Peritus Network, a broker network for self-employed advisers and appointed representatives, with international clients served through Peritus International.

Product overview

Peritus Private Finance is a whole-of-market independent mortgage broker offering a comprehensive suite of financial advisory services. The core offering centres on mortgage products including residential mortgages, buy-to-let mortgages (including limited company structures), bridging loans, self-build mortgages, interest-only mortgages, high net worth mortgages, and international/offshore mortgages. The company also provides equity release and lifetime mortgage products for customers aged 55+. Protection products include life insurance, critical illness cover, and income protection. Financial planning and wealth management services cover pension planning, investment strategy, and inheritance tax planning. The company operates two related brands: Peritus Network (a support network for self-employed mortgage advisers) and Peritus International (specialising in expat and foreign national mortgage services). All services are delivered through qualified financial advisers with over 25 years of industry experience.

Differentiator

Problem solved

Functional benefit

Brands

• Peritus Network: A bespoke broker network for self-employed mortgage advisers and appointed representatives, offering compliance and admin support.
• Peritus International

Products and services

• Residential Mortgages Standard mortgage products for purchasing or remortgaging primary residences, including options for first-time buyers and those with complex income situations, sourced from across the whole of the market.
• Buy-to-Let Mortgages Specialist mortgage products for purchasing property intended for rental income, including limited company buy-to-let options for tax-efficient property ownership.
• Bridging Loans Short-term finance solutions to bridge gaps between property transactions, typically used for quick purchases, auction properties, or chain breaks, with maximum term of 12 months and LTV up to 75%.
• Self-Build Mortgages Specialist mortgages for individuals constructing their own homes, with funds released in stages as the build progresses through defined stages from land purchase to completion. Broker fee typically between £695-£995 plus lender commission.
• Interest-Only Mortgages Mortgage products where borrowers pay only interest on the loan, requiring a separate repayment strategy to pay off capital at the end of the term.
• High Net Worth Mortgages Specialist mortgage solutions for high-value properties and clients with complex income streams, leveraging relationships with private banks and specialist lenders for mortgages over £1 million.
• Offshore/International Mortgages Mortgage services for British expatriates and foreign nationals purchasing UK property, with access to lenders offering standard rates for UK nationals overseas even without Sterling earnings. Fee up to 1% of loan amount with a maximum charge of £2,500 plus lender commission.
• Equity Release and Lifetime Mortgages Products allowing homeowners aged 55+ to release equity from their property without moving, available as lump sums or regular income, with optional interest payment or roll-up structures. Initial consultation is free with a £495 fee upon application plus lender commission.
• Life Insurance and Critical Illness Cover Protection products providing financial security for families, including life insurance, critical illness cover for serious medical conditions, and income protection for illness or injury. Commission is received from protection providers for arranging policies on behalf of clients.
• Financial Planning and Wealth Management Comprehensive financial planning services including pension planning, investment strategy, inheritance tax mitigation, and retirement income planning, delivered through Peritus Wealth advisers.
• Peritus Network Broker Services A network for self-employed mortgage advisers and appointed representatives, offering compliance support, administrative assistance, and access to mortgage sourcing systems under the Peritus brand.

Quantifiable outcome

• Vik negotiated a lower rate product saving client around £60 per month
• +2 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Peritus NetworkcoreChannel Partner/ Reseller/ DistributorA bespoke broker network for self-employed advisers and appointed representatives. Members enjoy excellent compliance and admin support, allowing focus on giving advice and generating income. Provides flexibility and opportunity to achieve full earnings potential.
• Peritus Corporate FinancecoreStrategic or Co-development PartnerSister company that can advise on all aspects of commercial development finance. Cross-referral relationship for clients with commercial property finance needs.
• Peritus InternationalcoreStrategic or Co-development PartnerTrading style under Peritus Group for mortgage services for British ex-pats and foreign nationals buying in the UK. Operated by Lee Adams and Faye Adams.
• ProtekminorOthersPartnered insurance provider for self-build projects. Provides 'A-rated' warranties for all types of self-build projects. Peritus receives commission for introductions.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Better.co.uk: Better.co.uk is an online UK mortgage broker with a self-serve/digital-led model. Comparable product overlap in residential mortgage broking; competes with Peritus for standard UK mortgage customers via a lower-cost, technology-enabled delivery model.
• Habito: Habito is a UK digital-first mortgage broker offering whole-of-market access through an online platform. Comparable in product (mortgage broking) and customer base (UK residential borrowers) but differentiated by technology-led delivery and lower fee structures that may pressure traditional brokers like Peritus.

Direct peers

• London & Country Mortgages (L&C): L&C is one of the UK's largest whole-of-market mortgage brokers, offering fee-free advice across a broad range of residential and specialist lending. Directly comparable to Peritus in business model, customer base (UK private borrowers), and delivery through telephone/digital adviser relationships.
• Mortgage Advice Bureau: Mortgage Advice Bureau operates a UK-wide network of mortgage advisers and brokers with whole-of-market access. Directly comparable in being a multi-adviser mortgage broker serving UK residential and BTL clients, with a network structure analogous to Peritus Network.
• John Charcol: John Charcol is a long-established UK specialist mortgage broker focusing on complex cases, professional borrowers, and high-value mortgages. Comparable to Peritus in targeting non-standard lending needs (self-employed, HNW, complex income) where high-street brokers fall short.
• Key Mortgage Advice: Key Mortgage Advice is a UK whole-of-market mortgage broker serving residential, BTL, and complex-case clients. Comparable to Peritus in being an independent broker with whole-of-market access and specialist lending expertise, typically operating with similar headcount.
• SPF Private Clients: SPF Private Clients is a specialist UK mortgage broker focused on high-net-worth, complex-income, and large-loan cases, with access to private banks. Directly comparable to Peritus's HNW mortgage proposition, serving affluent clients with non-standard income and properties over £1M.

Broad incumbents

• St. James's Place: St. James's Place is a major UK wealth management group whose advisers also arrange mortgages, protection, and financial planning. Comparable in offering a combined wealth advisory and mortgage service to UK private clients, though at significantly greater scale and with a tied-adviser model.
• Quilter: Quilter is a UK wealth management platform offering investment, pension, and protection advice via a network of advisers. Comparable in providing financial advisory and wealth management services to UK private clients, including mortgage referrals, but at materially greater scale.
• Openwork: Openwork is one of the UK's largest mortgage and financial advice networks, providing compliance, technology, and lender relationships to appointed representatives. Directly comparable to the Peritus Network arm, with broader wealth and protection capabilities, but as a much larger incumbent network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/follow
• Facebookfacebook.com/PeritusGroupUK
• LinkedInlinkedin.com/company/peritus-finance-group
• Instagraminstagram.com/peritus_group

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries3 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 Peritus Private Finance