Moneywatch Finance

What Moneywatch Finance does

Moneywatch Finance is a UK-based financial advisory firm founded in 2006, operating as an independent mortgage broker and insurance advisor. The company provides whole-of-market mortgage advice, life assurance, and home insurance products to UK consumers, with operational concentration in the West Midlands region. The firm is co-led by founding partner Matthew Jones and partner Peter Hunt, both of whom bring multi-decade experience from building societies (Halifax, Cheltenham & Gloucester, Skipton), Prudential, and Shipways Estate Agents, and hold CeMAP and CII qualifications.

The business operates on a professional services model: mortgage advice fees range from £495–£995 depending on case complexity, with a typical fee of £795, while life assurance and home insurance are offered as complementary advisory services. A secondary subscription revenue stream is generated through a credit monitoring product priced at £14.99 per month following a 7-day free trial. Services are delivered face-to-face, by telephone, or email across two West Midlands offices (Shirley, Solihull HQ and Halesowen). Moneywatch functions as an Appointed Representative of HL Partnership Limited, providing FCA regulatory authorization under registration number 735552.

The firm's go-to-market relies heavily on regional media positioning rather than paid acquisition. Both principals maintain regular on-air presence on BBC Radio WM and Black Country Radio, and partner Peter Hunt has been an expert contributor on the Grand Designs Live TV programme for ten years. Customer testimonials and word-of-mouth referrals are emphasized as key conversion channels, supported by a content-led Squarespace website. The firm serves multiple consumer segments including first-time buyers, home movers, remortgagors, buy-to-let investors, self-build clients, and life and home insurance customers.

Name

Moneywatch Finance

Legal name

Moneywatch Finance

Website

https://moneywatchfinance.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

Moneywatch Finance is a UK-based financial advisory firm founded in 2006 that provides whole-of-market mortgage brokerage, life assurance, and home insurance services to consumers, primarily in the West Midlands region, operating as an FCA-authorized Appointed Representative of HL Partnership Limited.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industries

Debt Advisory & Financing Advisory (FSAEAGAD), Financial Coaching & Budgeting Advisory (FSAEAAAH)

Keywords

• Mortgage brokerage
• Mortgage advisory services
• Life assurance advisory
• Home insurance brokerage
• Buy-to-let mortgages

Headquarters

HQ city

Shirley

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Fees: Fees charged for mortgage advice and brokerage services. There may be a fee for mortgage advice with amounts estimated between £495-£995 depending on complexity of the situation, with a typical fee of £795.
2. Insurance Advisory Services: Advisory services for life assurance and home insurance products, providing recommendations and arranging coverage for clients.
3. Subscription Service: Free Credit Report trial for 7 days, then £14.99 per month with ability to cancel online anytime.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Moneywatch Finance is a UK-based mortgage and insurance advisory firm that searches the mortgage market on behalf of individual consumers and advises on life assurance and home insurance products. It manages the home buying process from initial assessment through completion, offering face-to-face, telephone, and email advisory services for first-time buyers, home movers, remortgagors, buy-to-let investors, and self-build clients. Advisory fees typically range from £495 to £995 for mortgage advice, with the firm operating under FCA regulation as an Appointed Representative of HL Partnership Limited.

Product overview

Moneywatch Finance operates as a unified financial advisory service offering three core product lines: Mortgage Advice (encompassing First Time Buyer, Moving Home, Remortgage, Buy To Let, and Self Build mortgage modules), Life Assurance (including various term and critical illness cover options), and Home Insurance (combining buildings and contents coverage). All services are delivered through regulated advisors who search the market to find appropriate products for clients, with fees ranging from £495-£995 for mortgage advice.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advice Comprehensive mortgage advisory service covering the entire home buying process from initial assessment through to completion, delivered face-to-face or remotely by telephone or email to UK consumers. Advisors search the market across available products and provide ongoing market monitoring after completion. Advisory fees are estimated between £495 and £995 depending on case complexity, with a typical fee of £795.
• First Time Buyer Mortgages Specialist mortgage advisory for first-time homebuyers, including affordability calculations, property selection within budget, and guidance on additional purchase costs such as stamp duty and solicitor fees. Delivered to UK consumers under the firm's FCA authorisation.
• Moving Home Mortgages Advisory service for homeowners selling their existing property and purchasing a new home, including budget planning, cost estimation for both legs of the transaction, and lender affordability assessment.
• Remortgage Services Remortgaging advisory helping clients switch mortgage products or lenders, including assessment of early repayment charges, comparison of rates, and end-to-end guidance through the application process.
• Buy To Let Mortgages Investment property mortgage service for landlords, providing access to competitive buy-to-let rates with rental income assessments (typically 125% of mortgage repayments) and the full range of buy-to-let products.
• Self Build Mortgages Specialist financing solutions for custom home building projects, including advice on plot acquisition, construction financing, and access to the Right to Build scheme for commissioning bespoke homes.
• Life Assurance Life insurance advisory covering term life, decreasing life, level life, increasing life assurance, and critical illness cover to protect families and repay mortgages in the event of death or serious illness.
• Home Insurance Property insurance advisory combining buildings insurance (structural protection against weather, flooding, fire, vandalism) and contents insurance (household possessions against theft and damage) for homeowners and landlords.
• Credit Report Subscription Recurring credit report access offered on a 7-day free trial basis with automatic conversion to a £14.99 monthly subscription, cancellable online at any time.

Named customers3 records

Segments7 records

Ideal customer profiles7 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.

• HL Partnership LimitedcoreStrategic or Co-development PartnerHL Partnership Limited is the principal firm for which Moneywatch Finance operates as an Appointed Representative. HL Partnership Limited is authorised and regulated by the Financial Conduct Authority. Moneywatch Finance operates under their regulatory umbrella with FCA registration number 735552. Both entities process client data together to provide financial services, with HL Partnership monitoring and assessing Moneywatch's work to ensure regulatory compliance.
• BBC Radio WMcoreGTM or Marketing PartnerMatthew Jones is a regular contributor on BBC Radio WM, appearing on multiple programmes discussing topical financial matters. He has helped several BBC employees with their finances and is described as the West Midlands' own money-saving expert.
• Black Country RadiominorGTM or Marketing PartnerPeter Hunt appears regularly on Black Country Radio discussing various finance topics for listeners, building brand awareness and credibility in the regional market.
• Grand Designs LivecoreGTM or Marketing PartnerPeter Hunt has been invited as an expert contributor to Grand Designs Live TV programme for 10 years, working alongside Kevin McCloud and the team. This partnership provides significant brand visibility and credibility in the home building and property market.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Countrywide: One of the UK's largest estate agency and property services groups, offering mortgage and protection advice through its Connells and Countrywide brands — competes with Moneywatch for shared estate-agency-lead mortgage customers in regional markets.
• Skipton Building Society: Largest UK building society and a direct lender; Moneywatch's founder Matthew Jones previously worked as area sales manager at Skipton's Solihull branch, making it both a former employer and a key lender on the firm's panel — represents the lender side of the market Moneywatch intermediates.
• Lloyds Banking Group: UK's largest mortgage lender through Halifax, Bank of Scotland, and Lloyds — and now owner of Habito — competing with Moneywatch both as a direct lender and increasingly as a digital mortgage advice provider across the UK.

Emerging players

• Trussle: Online mortgage broker focused on remortgage customers with a tech-led, low-fee proposition — competes with Moneywatch for remortgage flow and has historically pressured traditional advisors on price and convenience.
• Habito: UK digital mortgage broker that pioneered free, online-only mortgage advice and was acquired by Lloyds Banking Group — represents the digital-first model that competes with Moneywatch's traditional advice-led approach, particularly for straightforward residential cases.

Direct peers

• Mortgage Advice Bureau: AIM-listed UK mortgage and protection advice network with thousands of advisers across the country — directly comparable to Moneywatch in core offering (whole-of-market mortgage broking, insurance, fee-based advice) but at vastly greater scale.
• Just Mortgages: UK mortgage and protection broker network, part of Spicerhaart estate agency group, offering face-to-face and remote advice — competes with Moneywatch for the same home-mover and remortgage customer segments in regional markets.
• HL Partnership Limited: Principal firm under which Moneywatch operates as an Appointed Representative; HL Partnership also directly operates a network of mortgage and protection advisers across the UK, sharing the same regulatory umbrella, lender panel access, and target customer base.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering fee-free and fee-based whole-of-market mortgage and protection advice to consumers nationwide — a direct competitor for the same first-time buyer and remortgage segments Moneywatch targets.
• John Charcol: Long-established UK independent mortgage broker with a fee-based advisory model and holistic property advice — closely comparable to Moneywatch in target customers (first-time buyers, professionals, complex cases) and service intensity.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MoneywatchFinance
• LinkedInlinkedin.com/company/moneywatch-finance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Moneywatch Finance