Word On The Street

What Word On The Street does

Word On The Street is a UK-based specialist mortgage and property finance broker founded in 2022, headquartered in Cheadle, Cheshire. The firm acts as an independent credit intermediary, not a lender, connecting borrowers with a broad panel of specialist lenders to arrange bridging, development, buy-to-let, commercial, auction, ex-pat, and overseas high-net-worth investment mortgages. Its target customers span UK property investors, portfolio landlords, developers, commercial buyers, British expats, and international HNW investors seeking UK property exposure.

The firm operates a consultative, relationship-driven distribution model with no proprietary technology platform; its core capability lies in the specialist lending expertise and lender-panel relationships of its seven-person team. Several team members previously held underwriting or direct sales roles at specialist lender Together, and the partners bring backgrounds in property law, banking, property management, and broking. Service delivery is advisor-led via phone, email, website contact, and physical presence at events of its exclusive community partner, The Members Club.

Word On The Street earns commission from lenders calculated as a percentage of the loan amount borrowed, with commission terms disclosed to clients throughout the customer journey and confirmed in its Credit Broking Agreement. The firm reported 202 completions and nearly £90m in gross loan amount YTD 2026, with the wider team's network track record exceeding £1.5bn in completed mortgages and loans. Multiple industry award wins in 2025-2026, including BTL Mortgage Broker of the Year at the Business Moneyfacts Awards 2026, underscore its growing standing in the UK specialist lending market.

Name

Word On The Street

Legal name

Word On The Street Group Ltd

Website

https://wordonthestreetgroup.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Word On The Street is a UK specialist mortgage broker (founded 2022) arranging bridging, development, buy-to-let, commercial, auction, ex-pat, and overseas HNW property finance for investors, landlords, and developers via a panel of specialist lenders.

Ownership category

akta.pro rank

Product category

Property Finance Brokerage

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Construction-to-Perm & Renovation Loan Brokers (FSALABAF)

Keywords

• Property finance brokerage
• Mortgage broker services
• Bridging finance
• Buy-to-let mortgages
• Development finance

Headquarters

HQ city

Cheadle

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from lenders on completed mortgage and loan transactions: Word On The Street acts as a credit broker, not a lender. It earns commission from lenders on completed transactions, calculated as a percentage of the amount borrowed. The commission model and amount are disclosed to clients throughout their customer journey.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Word On The Street is a specialist UK property finance brokerage acting as a credit broker (not a lender) that connects property investors, landlords, developers, expats, and commercial buyers with a wide panel of specialist lenders. The firm arranges bridging, buy-to-let, development, auction, second charge, commercial, and international HNW mortgages, providing personalised advisory, due diligence, and end-to-end application support from initial consultation through to completion. The firm earns commission from lenders on completed transactions.

Product overview

Word On The Street is a specialist mortgage brokerage offering a unified portfolio of property finance products. The core offering consists of seven distinct lending products: Bridging Finance (short-term funding), Development Finance (for new builds and refurbishments), Buy to Let Mortgages, Commercial Mortgages, Auction Finance, Ex-Pat Mortgages, and International Investors/High Net Worth mortgages. The company acts as an intermediary connecting borrowers with a wide range of lenders, arranging bridging, buy-to-let, development, auction, second charge, and commercial loans. The service is tailored for property investors, developers, landlords, and homeowners across the UK market.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Finance Short-term, fast-access funding designed to bridge the gap between a purchase and a longer-term solution — ideal for time-sensitive opportunities or complex property deals. Available as first charge or second charge bridging loans. Targeted at property investors, developers, and auction buyers needing rapid capital.
• Development Finance Funding for residential, commercial, or mixed-use property projects, including new builds, conversions, refurbishments, and phased development schemes. Designed for experienced property developers working on ground-up schemes or graduate developers progressing from refurbishment.
• Buy to Let Mortgages Buy-to-let mortgages specifically designed for properties that will be rented out to tenants, with competitive rates and flexible terms. Supports both first-time landlords and established portfolio investors across the UK.
• Commercial Mortgages Loans secured against property used for business or investment purposes, suitable for offices, retail units, warehouses, or mixed-use sites. Available for owner-occupiers, property investors, and trading businesses.
• Auction Finance Short-term pre-approved funding designed to help buyers purchase property at auction, with completion typically required within 28 days (or 14, 28, or 56 days depending on auction house requirements).
• Ex-Pat Mortgages Specialist mortgage products for British nationals living abroad seeking to secure investments for UK buy-to-let property, portfolio expansion, or commercial property acquisitions.
• Overseas HNW / International Investors Mortgages Mortgage solutions for international clients worldwide seeking to invest in UK buy-to-let and investment property, including asset-backed mortgages, bridging loans, remortgaging, and specialist lending for complex income or credit scenarios. Targeted at HNW individuals with ≥£300k annual net income or ≥£3m net assets.

Quantifiable outcome

• 202 completions and nearly £90 million in gross loan amount YTD as of May 2026 under Partner Jack Medlicott's ten-month tenure
• +2 more outcomes

Named customers20 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

Two partnerships are on record, tiered core and minor.

• The Members Club (TMC)coreGTM or Marketing Partner · 5 June 2026Word On The Street was appointed as the exclusive and dedicated broker partner for The Members Club, a national property investor community. The collaboration provides the network's members with direct, expert-led access to specialist lending expertise. The firm maintains a physical presence at all TMC networking and quarterly events across the UK, offering on-the-ground deal support. The partnership is designed to bridge investment education with financial execution, removing barriers to entry for UK investors.
• The Prosperity NetworkminorGTM or Marketing Partner · 24 March 2026The Prosperity Network nominated Word On The Street for Best Finance Broker at the Blue Bricks Property Awards 2026. This nomination reflects peer recognition within the property investment community.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• Hampshire Trust Bank: UK specialist lender (not a broker) that has transacted directly with Word On The Street on an £8.5m bridging deal. Included as a key counterparty illustrating the type of specialist lender relationship the firm leverages, rather than a direct competitor.

Direct peers

• Largemortgageloans.com: UK specialist broker focused on large, complex, and non-standard mortgage cases, including high-LTV and unusual income scenarios. Comparable in specialist intermediary positioning and focus on borrowers who fall outside mainstream lender criteria.
• Trinity Financial: London-based mortgage broker with broad lender panel access and a focus on specialist and high-value cases. Comparable in intermediary business model, panel breadth, and specialism in non-standard borrower profiles.
• John Charcol: Long-established UK specialist mortgage broker with deep expertise in complex, high-value, and non-standard mortgage cases for investors and HNW clients. Highly comparable in product mix (BTL, complex residential, specialist lending) and advisor-led delivery.
• One 77 Mortgage Brokers: UK specialist mortgage broker covering residential, BTL, and complex cases through a wide lender panel. Comparable in intermediary business model and specialism in non-standard borrower profiles.
• JLM Mortgage Services: Well-established UK mortgage broker network providing intermediary services across a wide lender panel, including specialist lending. Comparable in panel-driven intermediary model and BTL/buy-to-let focus.
• Enness Global: UK specialist broker focused on high-net-worth, large-ticket, and complex property finance domestically and internationally. Directly comparable to Word On The Street's HNW/expat/overseas investor proposition and large-loan bridging capability.
• SPF Private Finance: UK specialist mortgage broker focused on high-value, complex, and non-standard property finance cases including BTL, bridging, and development. Directly comparable to Word On The Street's specialist, panel-driven, advisory-led model serving property investors and developers.

Broad incumbents

• London & Country Mortgages (L&C): One of the UK's largest mortgage brokers with a very broad lender panel and high transaction volume across mainstream and some specialist lending. Comparable product offering but at significantly larger scale and with a more mass-market positioning.
• Habito: UK digital-first mortgage broker offering a tech-enabled platform across mainstream and specialist lending. Comparable product category (mortgage brokerage) but with a fundamentally different tech-led, mass-market delivery model that contrasts with Word On The Street's relationship-led approach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/wotsgroup
• Instagraminstagram.com/wordonthestreetgroup
• LinkedInlinkedin.com/company/wotsgroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Word On The Street