What Zinga Financial Services does

Zinga Financial Services Limited is a UK-based, FCA-authorised credit broker (FRN: 752191) operating from Uxbridge, London, that intermediates residential and commercial mortgages on behalf of individual and small-business borrowers. Founded in 2015 and operating with 11-50 employees, the company advertises access to a panel of 90+ UK lenders and 20,000+ mortgage products, positioning itself as a whole-of-market broker rather than a tied or single-lender intermediary. Its core product, branded Zinga Mortgages, spans first-time buyer, remortgage, buy-to-let, commercial, and second charge mortgages, supplemented by ancillary advisory services in home insurance, personal protection, and investments and pensions.

The underlying technology is a third-party mortgage management platform, Smartr365, which supports loan processing, client management, and a customer portal; no proprietary technology, AI capabilities, or data assets are disclosed. The business model is commission-based: Zinga receives procuration fees from lenders upon completion of mortgage transactions under a mix of fee structures (fixed fee, fixed rate, percentage of loan, and rate-for-risk), and does not charge upfront customer fees. The go-to-market is sales-led and advisor-driven, with customer engagement conducted via phone, live chat, WhatsApp, in-person office visits, and web-based inquiry forms, supported by SEO-optimised content and published customer testimonials.

Customer segments are horizontally distributed across first-time buyers, existing homeowners seeking remortgage, buy-to-let investors, and commercial property buyers, all served on a single-transaction commission basis. The company holds FCA authorisation and ICO data protection registration, operates only in the UK, and shows no disclosed funding rounds, acquisitions, or ownership transactions in the source data.

Name

Zinga Financial Services

Legal name

Zinga Financial Services Limited

Website

https://zingafs.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Zinga Financial Services is a UK FCA-authorised mortgage broker (Uxbridge, London) offering whole-of-market mortgage advisory across 90+ lenders to individual and small-business borrowers, supplemented by insurance, protection, and pensions advisory on a commission-based model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

akta.pro secondary industry

Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Mortgage brokerage
• Remortgage advisory
• Buy-to-let mortgages
• Home insurance brokerage
• Protection insurance

Headquarters

HQ city

Uxbridge

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders: Zinga Financial Services earns commission from lenders when customers complete mortgage transactions. The commission models include: fixed fee, fixed rate of commission, percentage of the amount borrowed, and rate for risk based on the risk profile of the business. The company is transparent about receiving commission from lenders and discloses that different lenders pay different amounts depending on their commission models.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Zinga Financial Services operates as a credit broker arranging mortgages for customers across the UK through a panel of 90+ lenders covering more than 20,000 mortgage products. The advisory covers remortgage, first-time buyer, buy-to-let, commercial, and second charge mortgages, supplemented by home insurance, personal protection, and investment/pension advisory services. The company earns lender commissions on completed transactions and does not charge upfront fees to customers.

Product overview

Zinga Financial Services operates as a mortgage brokerage platform offering access to 90+ lenders and 20,000+ mortgage products. The core offering centers on Zinga Mortgages, which encompasses remortgage services, first-time buyer mortgages, buy-to-let mortgages, commercial mortgages, and second charge mortgages. The company supplements its mortgage offerings with ancillary financial services including home insurance, personal protection (life insurance, critical illness, income protection), and investments & pensions advisory services. The platform positions itself as a whole-of-market broker providing transparent, fee-free advisory to help customers find optimal mortgage and financial protection solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Zinga Mortgages A whole-of-market mortgage brokerage service providing access to 90+ lenders and 20,000+ mortgage products, offering personalised advisory for UK consumers seeking residential and investment property finance.
• Remortgage Services Remortgage advisory allowing UK homeowners to switch lenders, change interest rate structures, reduce monthly payments, or borrow additional funds against their property through Zinga's lender panel.
• First Time Buyer Mortgages Mortgage advisory for first-time homebuyers covering eligibility criteria, credit requirements, application procedures, and selection from fixed and variable rate mortgage products available across Zinga's lender panel.
• Buy to Let Mortgages Specialist mortgage brokerage for investors purchasing rental properties, typically featuring 25% deposit requirements, higher interest rates, and interest-only repayment options across BTL lender products.
• Commercial Mortgages Loan products for purchasing or refinancing commercial properties used for business purposes, sourced through Zinga's network of commercial mortgage lenders.
• Second Charge Mortgages Additional borrowing products enabling customers to raise funds while retaining their existing first-charge mortgage, suitable for home improvements, debt consolidation, and property purchases.
• Home Insurance Home insurance advisory and brokerage helping customers find appropriate building and contents coverage, typically arranged alongside mortgage and remortgage transactions.
• Personal Protection Protection product advisory covering life insurance, critical illness cover, income protection, and family income benefit policies arranged through Zinga's protection provider network.
• Investments & Pensions Financial planning services covering savings, investments, and pension products including retirement planning, pension reviews, and tailored investment recommendations.

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Better.co.uk: UK mortgage broker offering whole-of-market advice via online and phone channels. Competes head-to-head with Zinga in first-time buyer and remortgage segments.
• John Charcol: Long-established UK whole-of-market mortgage broker focused on complex and high-value mortgage cases, including BTL and adverse credit. Comparable to Zinga's specialist mortgage offerings.
• Trussle: UK online mortgage broker using a digital advice model to match customers with whole-of-market mortgage deals. Comparable as a UK mortgage intermediary targeting first-time buyers and switchers.
• Habito: UK digital mortgage broker and lender offering whole-of-market mortgage advice plus its own mortgage products. Comparable to Zinga as a whole-of-market broker serving UK consumers, with a stronger technology-led go-to-market.
• London & Country Mortgages: Large UK fee-charging mortgage broker offering whole-of-market advice. Comparable intermediation services, with a different fee structure (customer-paid) versus Zinga's commission-led model.
• Mojo Mortgages: Online mortgage broker in the UK providing whole-of-market comparison and broker advice for first-time buyers, remortgages, and BTL. Directly comparable in intermediation model and target customer segments.
• L&C Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market mortgage advice across residential, BTL, and remortgage products. Directly comparable to Zinga in intermediated mortgage distribution and panel-broker model.

Broad incumbents

• HSBC UK: Major UK mortgage lender and bank that is both a Zinga lending partner and a competitor in direct mortgage distribution. Relevant as a broad incumbent spanning lending and distribution.
• Nationwide Building Society: One of the UK's largest mortgage lenders and a Zinga lending partner, also distributing mortgages directly. Comparable as a broad incumbent in UK mortgage origination that competes for the same end-borrower.
• Mortgage Advice Bureau: UK-wide mortgage broker network with a much larger advisor base and nationwide footprint. Comparable intermediation services to Zinga, but at significantly greater scale and with a franchise/advisor network model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/zingamortgagesUK
• LinkedInlinkedin.com/company/zinga-fs-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Zinga Financial Services