Mortgage Business

What Mortgage Business does

Mortgage Business Financial Advisers Limited is an independent mortgage and protection advisory firm founded in 2002 and headquartered in Chelmsford, Essex, UK. It operates under FCA authorisation (reference 708608) and serves UK consumers — primarily first-time buyers, home movers, remortgagors, buy-to-let landlords and business owners in commercial-property transactions — within Essex and surrounding areas. The firm describes itself as whole-of-market, meaning advisers can search across the full lender and life-insurer universe rather than a restricted panel. The core revenue model combines a £149 administration fee and a typical £500 mortgage advice fee per case with commission paid by lenders and protection product providers; an NHS worker fee waiver is offered as a community-initiative differentiator.

The firm delivers advice through a sales-led multi-channel model: direct phone (01245 956900), in-person consultations (historically at 1 Tindal Street, Chelmsford, sold in 2022 before transitioning to remote operations), online enquiry forms, and reciprocal referral partnerships with local estate agents (Keith Ashton, Quirks, Balch, Ashton White, Henton Kirkman) and professional introducers such as accountants (Daniel James). It maintains regulatory compliance support via Bankhall. The product portfolio spans Homebuyer Mortgages, Buy to Let Mortgages, Commercial Mortgages, Remortgage Packages, Life Cover, Critical Illness Cover, Income Protection and Buildings & Contents Insurance, alongside access to government schemes (Help to Buy, Shared Ownership, Mortgage Guarantee Scheme) for first-time buyers. The only notable technology component documented is a client portal and the Yoti facial-recognition smartphone app, used for Anti-Money Laundering identity verification.

The business is privately held, founder-/management-owned with David Oastler as Director, and has no disclosed institutional funding or parent company. Management comprises eight named individuals, including Independent Mortgage Advisers, a Mortgage Operations Manager, Client Support, Compliance Executive and a Data Protection Officer. Recognition includes the Feefo Platinum Trusted Service Award 2022 (requiring three consecutive Gold years plus 50+ reviews), National Mortgage Adviser Awards recognition as Best Advisers in the East of England 2022, Mortgage Strategy Awards 2022 finalist status, and sponsorship of the NHS Shine Awards 2022 Team Outstanding Achievement Award. Headcount is in the 11–50 band, with the team's combined industry experience cited at over 60 years.

Name

Mortgage Business

Legal name

Mortgage Business Financial Advisers Limited

Website

https://mortgagebusiness.net

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Business Financial Advisers Limited is an FCA-authorised, independent mortgage and protection advisory firm founded in 2002, serving UK consumers in Essex and surrounding areas with whole-of-market mortgage, remortgage, buy-to-let, commercial and protection advice, funded via client fees and lender commissions.

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

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage advisory services
• Protection insurance products
• Buy to let lending
• Remortgage advisory
• First time buyer advice

Headquarters

HQ city

Chelmsford

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage Advice Fees: Charges an administration fee of £149 payable on application, plus a mortgage advice fee. Typically charges £500 for mortgage loans of £99,999 or under.
2. Lender Commission: Receives commission payments from mortgage lenders and product providers on arranged mortgage and protection products.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Mortgage Business is an independent mortgage and protection advisory firm that brokers mortgage and insurance products from the whole market for individual consumers and small business owners in Essex and surrounding UK regions. The firm manages the entire mortgage application process from initial consultation through completion, providing dedicated advisers, lender/solicitor/surveyor liaison, and access to life cover, critical illness, income protection, and buildings/contents insurance products alongside mortgage brokerage.

Product overview

Mortgage Business is an independent mortgage advisory firm offering a unified service spanning mortgage brokerage and protection insurance. The core offering consists of six principal product lines: Homebuyer Mortgages, Commercial Mortgages, Buy to Let Mortgages, Remortgage Packages, Life Cover, and Insurance Packages. These are complemented by additional protection products including Critical Illness Cover and Income Protection. For first-time buyers, the firm also facilitates access to government schemes including Help to Buy, Shared Ownership, and the Mortgage Guarantee Scheme. As independent advisers, they have unlimited access to mortgage lenders and insurance providers across the whole market, allowing them to recommend the most suitable products for each client's circumstances.

Differentiator

Problem solved

Functional benefit

Products and services

• Homebuyer Mortgages

Quantifiable outcome

• Feefo Platinum Trusted Service Award 2022 - achieved Gold Trusted Service for 3 consecutive years
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature1 record

Partnerships

Nine partnerships are on record, tiered minor.

• Keith Ashton Estate AgentsminorChannel Partner/ Reseller/ DistributorLocal estate agent partnership in Essex; reciprocal referral arrangement for property buyers needing mortgage advice; listed as a 'Friend of Mortgage Business' on company website
• Quirks Estate AgentsminorChannel Partner/ Reseller/ DistributorLocal estate agent partnership; reciprocal referral arrangement for mortgage services
• Balch AgentsminorChannel Partner/ Reseller/ DistributorLocal estate agent partnership; reciprocal referral arrangement
• Daniel James AccountantsminorChannel Partner/ Reseller/ DistributorAccountancy firm partnership; professional introducer referring clients requiring mortgage advice
• Ashton WhiteminorChannel Partner/ Reseller/ DistributorEstate agent partnership; reciprocal referral relationship
• Henton KirkmanminorChannel Partner/ Reseller/ DistributorProfessional services partnership; referral relationship for mortgage services
• Heritage (Essex Heritage)minorChannel Partner/ Reseller/ DistributorCommunity organisation partnership; listed as a 'Friend of Mortgage Business'
• Bankhall Compliance Support ServicesminorImplementation/ SI/ Consulting PartnerCompliance support services provider for regulatory compliance in providing intermediary mortgage services
• Money HubminorChannel Partner/ Reseller/ DistributorThird party adviser referral for second charge lending and bridging loans; referred to when customer needs advice outside Mortgage Business scope

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• London & Country Mortgages: Large UK independent mortgage broker offering whole-of-market mortgage and protection advice. Directly comparable in business model (independent adviser, fee plus commission, whole-of-market access) and customer focus (UK residential buyers and remortgagors).
• John Charcol: Long-established London-based independent mortgage broker focused on complex and high-value mortgage cases. Comparable in targeting specialist/complex borrowers (including BTL, professional, and non-standard cases) alongside core residential and remortgage business.
• Habito: UK digital-first mortgage broker offering online advice and execution. Directly comparable in target market (UK mortgage borrowers) and core product (whole-of-market mortgage advice), though differentiated by delivery model rather than advisory depth.
• Trussle: UK online mortgage broker (now part of St. James's Place) focused on remortgage customers. Comparable in remortgage product focus and target segment (UK homeowners coming off fixed-rate deals), differentiated by digital-only delivery model.
• Alexander Hall: London-based independent mortgage and insurance broker with a strong specialisation in BTL and complex cases. Comparable in independent advisory model, BTL focus, and protection insurance cross-sell alongside core mortgage brokerage.
• Mortgage Advice Bureau: One of the largest UK mortgage broker networks (AIM-listed) with thousands of advisers across the country. Comparable because both are independent mortgage advisers offering whole-of-market access, although MAB operates at vastly greater scale with a network rather than direct model.

Broad incumbents

• Countrywide (Connells Group): UK-wide estate agency and mortgage broker network owned by Connells Group. Comparable in offering mortgage advisory services alongside related property products, though distributed through a national estate agency footprint rather than a single local firm.
• Sesame Bankhall Group: UK mortgage and protection network supporting thousands of advisers with compliance, lender panel access, and technology infrastructure. Comparable as advisers provide identical whole-of-market mortgage advice, but operates as a network rather than a single advisory firm.
• St. James's Place: Major UK wealth management group that has acquired Trussle to add mortgage brokerage to its adviser-led proposition. Comparable as a UK mortgage broker serving retail customers, though operates as a broad wealth manager rather than a specialist adviser.
• Quilter Financial Planning: Large UK wealth management and financial adviser network that includes mortgage advice as part of a broader financial planning offering. Comparable because both firms offer independent mortgage advice to UK consumers, but Quilter operates at much larger scale across a wider product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/mortgage_biz
• Facebookfacebook.com/MortgageBusiness
• LinkedInlinkedin.com/company/mortgage-business
• Instagraminstagram.com/mortgagebusiness

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Mortgage Business