NMS Financial
NMS Financial is a privately held UK financial advisory firm based in Newcastle upon Tyne, offering mortgage, protection, and home/landlord insurance advice to individual consumers, property investors, and landlords under PRIMIS Mortgage Network's FCA authorisation.
- Company typePrivate
- Founded2010
- HeadquartersNewcastle Upon Tyne, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What NMS Financial does
NMS Financial Ltd is a privately held UK financial advisory firm headquartered at 11 Kingfisher Way, Silverlink Business Park, Newcastle upon Tyne. Operating as an appointed representative of PRIMIS Mortgage Network (a trading name of First Complete Limited, authorised and regulated by the Financial Conduct Authority), the firm is licensed to provide mortgage, protection, and insurance advice to UK consumers. Service delivery is face-to-face: meetings take place at the firm's office, the client's office, or the client's home, supplemented by phone, email, and an online call-back form.
The firm's core product offering spans three lines: Mortgages (residential purchases, remortgages, buy-to-let including limited-company and portfolio lending), Protection (life, critical illness, income protection, reducing term, whole of life), and Insurance (home buildings and contents, landlord insurance covering 1 to 101+ properties). Underlying these is a proprietary FCA-compliant software system providing product search, sourcing, calculation, and penny-accurate quotation printing across lenders and a panel of UK insurers. A team of approximately 11 staff, including Managing Director Gary Thorpe and Director Audra Thorpe, supports the advisory workflow.
The business model is fee-based, transaction-commission, and referral-driven. Mortgage clients pay a tiered advice fee of £395 for non-complex cases, £495 for limited-company buy-to-let and portfolio lending, and £795 for high adverse credit situations, payable on production of the lender's offer letter; in addition, the firm receives lender procuration fees disclosed to clients. Insurance is sourced via a panel of well-known UK insurers, with the firm earning referral/commission on placement. Customers are predominantly individual consumers and small landlords acquired directly or through referrals from estate agents and accountancy firms; no enterprise or institutional clients are identified in the source material.
NMS Financial firmographics
Firmographics- Name
- NMS Financial
- Legal name
- NMS Financial Ltd
- Website
- https://nmsfinancial.co.uk
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- NMS Financial is a privately held UK financial advisory firm based in Newcastle upon Tyne, offering mortgage, protection, and home/landlord insurance advice to individual consumers, property investors, and landlords under PRIMIS Mortgage Network's FCA authorisation.
- Ownership category
- akta.pro rank
NMS Financial industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
Keywords
Where NMS Financial is headquartered
LocationHeadquarters
- HQ city
- Newcastle Upon Tyne
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
NMS Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Advice Fees: Fee-based mortgage advisory services with charges ranging from £395 to £795 depending on complexity. Non-complex cases charged at £395, Limited Company Buy-to-Let and portfolio lending at £495, and high adverse credit situations at £795. Fee payable on production of offer letter from lender.
- Lender Procuration Fees: In addition to client fees, NMS Financial receives procuration fees from lenders upon completion of mortgage deals. The amount of procuration fee is disclosed to clients.
- Insurance Product Referrals: Insurance advisory services accessing a panel of well-known UK insurers for home, landlord, and protection insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Non-complex mortgage cases |
| One time/ perpetual license | Pay-as-you-go | Limited Company Buy-to-Let mortgages including portfolio lending |
| One time/ perpetual license | Pay-as-you-go | High adverse credit situations |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
NMS Financial product offering
Product offeringCore offering
NMS Financial is a UK financial advisory firm that provides mortgage advice (residential, remortgage, buy-to-let, and portfolio lending), protection insurance (life, critical illness, income protection, whole of life), and general insurance (homeowner and landlord buildings and contents). Services are delivered through face-to-face consultations at the firm's Newcastle upon Tyne office, client offices, or client homes, with mortgage and insurance products sourced from a panel of UK lenders and insurers.
Product overview
NMS Financial is a financial services firm offering a comprehensive mortgage, protection, and insurance advisory service. Their core offerings consist of three main product lines: Mortgages (covering residential purchases, remortgages, and buy-to-let lending), Protection (life insurance, critical illness, income protection, and whole of life products), and Insurance (buildings and contents coverage for homeowners and landlords). The company provides tailored financial solutions through face-to-face consultations and accesses a panel of UK insurers to source suitable policies for clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgages Mortgage advice services covering residential purchases, remortgages, buy-to-let mortgages, and portfolio lending for individual home buyers and property investors. Advice is FCA-regulated through PRIMIS Mortgage Network and includes a tiered fee structure (£395–£795) plus lender procuration fees.
- Protection Insurance Personal and business protection insurance products including life insurance, critical illness cover, income protection, and whole of life insurance for individuals, families, and companies. Tailored packages are built from the UK's top insurance companies.
- General Insurance Home insurance products covering buildings and contents insurance for homeowners and landlords, including portfolio coverage for multiple properties. Sourced from a panel of well-known UK insurers, with the firm able to beat competitors on price, quality, or both.
- Level Term Life Insurance Fixed-term life insurance providing a predetermined payout to beneficiaries if the policyholder dies within the policy term, for individuals seeking straightforward life cover.
- Critical Illness Cover Insurance that pays out a lump sum upon diagnosis of a critical illness, designed to support family finances, medical costs, or other needs for individuals and families.
- Reducing Term Insurance Mortgage protection insurance where the cover amount decreases over time, suitable for repayment mortgages held by homeowners.
- Whole of Life Insurance Life insurance that pays out regardless of when the policyholder dies, providing guaranteed benefit for beneficiaries.
- Income Protection Insurance providing regular monthly payments if the policyholder is unable to work due to accident or sickness, for individuals seeking to protect their earning capacity.
- Homeowner Buildings and Contents Insurance Insurance covering buildings and contents against risks including fire, flood, theft, and malicious damage, for homeowners.
- Landlords Insurance Insurance coverage for property owners with one or multiple rental properties, including accidental damage, contents cover, and liability protection.
Companies that use NMS Financial
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
NMS Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
NMS Financial partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- PRIMIS Mortgage Network (First Complete Limited)coreNMS Financial Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority. This partnership provides regulatory oversight and access to mortgage products through the network.
- UK Insurance Providers PanelcoreNMS Financial accesses a panel of well-known UK insurers to search for the most suitable insurance policies for homeowners and landlords. The firm can beat competitors on price, quality, or both.
- UK's Top Insurance CompaniescoreNMS Financial offers insurance contracts from some of the UK's top insurance companies. The firm works alongside these providers to build tailored protection packages for individuals, families, and companies.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
NMS Financial competitors and assessment
Company assessmentDirect peers
- London & Country Mortgages: One of the largest UK mortgage brokers, offering telephone and online mortgage and protection advice across a broad lender panel. Directly comparable to NMS in core mortgage advisory activity, scale, and FCA-regulated status, but operating nationally rather than from a single regional base.
- John Charcol: Long-established London-based UK mortgage broker providing advice on residential, BTL, and complex cases including adverse credit. Directly comparable to NMS in serving complex and BTL mortgage niches where advice-led, fee-bearing brokerage remains defensible.
Emerging players
- Better.co.uk: UK online mortgage broker offering free advice and execution via a panel of lenders, focused on residential and BTL. Comparable to NMS in mortgage broking activity but operating on a no-fee digital model that competes directly for the same client segments.
- Trussle: UK online mortgage broker offering automated remortgage and home-loan advice. Comparable to NMS in residential mortgage intermediation but competing purely on digital experience, putting pressure on the face-to-face advisory fee model NMS relies on.
- Habito: UK digital-first mortgage broker offering online mortgage advice and execution across a lender panel. Comparable to NMS in the mortgage brokerage function, but competing via a fully digital, low-fee model that puts pressure on traditional face-to-face advisers like NMS.
Broad incumbents
- PRIMIS Mortgage Network: UK mortgage network (trading name of First Complete Limited) of which NMS is an appointed representative. Provides regulatory cover, lender panel access, and compliance infrastructure to NMS and a large nationwide network of appointed representatives operating in the same mortgage advisory space.
- Countrywide (Connells Group advisory): Large UK estate agency and financial services group providing mortgage advice alongside property services. Comparable to NMS in offering mortgage and protection advice to UK consumers, but with a national branch network and bundled estate-agency lead flow that NMS lacks.
- Moneysupermarket: UK price comparison website covering mortgages, insurance, and broader financial products. Comparable to NMS as a UK consumer-facing channel for sourcing mortgage and insurance products, but operating at vastly greater scale via a comparison-led model rather than personal advice.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
NMS Financial social profiles
Digital presenceNMS Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
NMS Financial leadership team
Management profileNumber of profiles
Profiles4 records
NMS Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NMS Financial 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 NMS Financial
What does NMS Financial do?
NMS Financial is a UK financial advisory firm that provides mortgage advice (residential, remortgage, buy-to-let, and portfolio lending), protection insurance (life, critical illness, income protection, whole of life), and general insurance (homeowner and landlord buildings and contents). Services are delivered through face-to-face consultations at the firm's Newcastle upon Tyne office, client offices, or client homes, with mortgage and insurance products sourced from a panel of UK lenders and insurers.
Is NMS Financial a public or private company?
NMS Financial is a private company. It is classified as family owned and is currently operating.
When was NMS Financial founded?
NMS Financial was founded in 2010. It employs 11 to 50 people.
Where is NMS Financial based?
NMS Financial is headquartered in Newcastle Upon Tyne, United Kingdom, in the Europe region.
How does NMS Financial make money?
Three revenue lines are on record. Mortgage Advice Fees are the primary driver. The others are lender Procuration Fees and insurance Product Referrals.
Who are NMS Financial's main competitors?
Direct peers on record are London & Country Mortgages and John Charcol. Emerging players are Better.co.uk, Trussle and Habito. Broad incumbents are PRIMIS Mortgage Network, Countrywide (Connells Group advisory) and Moneysupermarket.
Does NMS Financial have an API?
No public API is recorded for NMS Financial.
What industry is NMS Financial in?
NMS Financial's product category is Financial Advisory Services. Its primary akta.pro industry code is BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing). Its NAICS code is 522310 and its SIC code is 6162.