Major Financial Services

What Major Financial Services does

Major Financial Services Ltd. is a privately held, family-run mortgage brokerage authorised and regulated by the UK Financial Conduct Authority (Reference 1046609). Founded around 2020 and headquartered at 56 Poplar Grove, Sale, Trafford, Greater Manchester, the firm operates as an independent whole-of-market broker serving English consumers and SMB property investors across residential, commercial, expat, buy-to-let, Help to Buy, New Build, and bridging finance scenarios, and cross-sells protection products including life, critical illness, income protection, ASU and home insurance. The business is led by Lucy Baldwin as the primary mortgage broker, with her father having historically serviced long-tenure clients before her succession.

The commercial model is a single, transparent per-case broker fee of £395 (£200 on application, £195 on mortgage offer), with no disclosed commission reliance or hidden fees. Go-to-market is sales-led and direct: prospective clients request a free consultation or callback, after which the broker handles the case end-to-end. Customer acquisition spans a content-marketing blog for organic SEO, paid and organic social presence on LinkedIn, Facebook and Instagram, prominently displayed Google Reviews, and a bottom-of-funnel referral channel via estate agents and solicitors. The firm positions itself as impartial (not tied to specific lenders), proactive in case management, and able to serve clients fully remotely.

The technology footprint is modest: a Wix-hosted marketing site and a third-party client portal (lovemortgages.clienthub.org.uk) that gives applicants real-time visibility into application status. There is no proprietary AI, no in-house underwriting engine, no APIs or SDKs, no mobile app, and no disclosed integrations beyond the FCA register and the client portal. The platform architecture is therefore closer to a small advisory practice digitising its workflow than to a fintech or lender-led platform.

Name

Major Financial Services

Legal name

Major Financial Services Ltd.

Website

https://major-financial.co.uk

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Major Financial Services is a family-run, FCA-regulated UK mortgage broker based in Sale, Manchester, offering whole-of-market residential, commercial, expat and bridging finance alongside protection products to individual consumers and SMB property investors for a flat £395 fee.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage brokerage
• Residential mortgages
• Buy to let finance
• Protection insurance
• Commercial mortgages

Headquarters

HQ city

Sale, Trafford

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, Others

Revenue model

1. Mortgage Broker Fee: Flat broker fee of £395 for mortgage arrangement services, with £200 due upon mortgage application submission and remaining balance payable upon receiving mortgage offer. This is a transparent one-time fee model for advisory and arrangement services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Major Financial Services is an independent, FCA-regulated mortgage broker that arranges residential, commercial, expat, and bridging finance mortgages as well as protection products (life, critical illness, income, ASU, and home insurance) on behalf of UK clients. Services are delivered through direct advisory consultations supported by an online customer portal enabling remote application management with real-time progress tracking. A single fixed broker fee of £395 covers the advisory and arrangement service.

Product overview

Major Financial Services is a mortgage broker offering a comprehensive range of financial products. The company operates as a single-service advisory firm rather than a platform architecture. Their core offerings include residential, commercial, and expat mortgages covering various borrower scenarios: first-time buyers, home movers, remortgaging clients, buy-to-let investors, and those using Help to Buy or new build schemes. The company also provides specialist bridging finance for short-term property transactions. Alongside mortgage products, they offer a complete suite of protection products including life insurance, critical illness cover, income protection, and general insurance. All services are delivered with a flat broker fee of £395, and the company emphasises impartial whole-of-market advice without being tied to specific lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Mortgage products designed for first-time buyers entering the UK property market for the first time.
• Remortgages Mortgage products for existing UK property owners looking to switch their existing mortgage to a new lender or product.
• Moving Home Mortgages Mortgage products for UK homeowners purchasing a new property while selling their existing home.
• Buy To Let Mortgages Mortgage products for property investors looking to purchase UK residential property for rental purposes.
• Help To Buy Mortgages Mortgage products utilising the UK Government Help to Buy equity loan scheme for property purchases.
• New Build Mortgages Mortgage products specifically designed for newly constructed UK residential properties.
• Commercial Mortgages Mortgage products for UK commercial property purchases including business premises and investment properties.
• Expat Mortgages Mortgage products designed for British expatriates living abroad seeking UK property finance.
• Bridging Finance Short-term secured loans designed to bridge the gap between purchasing a property and arranging longer-term finance or selling an existing asset, typically used for auction purchases, property renovations, purchasing before selling, or time-sensitive investment opportunities.
• Residential Mortgages Standard mortgage products for owner-occupied UK residential properties.
• Life Insurance Life insurance providing a lump sum payment if the policyholder dies during the policy term, helping repay mortgages or provide financial security for families.
• Critical Illness Cover Protection product that may pay out if diagnosed with one of the serious illnesses covered by the policy, helping ease financial impact during recovery.
• Income Protection Protection product providing a regular monthly income if the policyholder is unable to work due to illness or injury.
• Insurance Products (ASU and Home Insurance) Additional insurance products including Accident, Sickness and Unemployment (ASU) cover and home insurance.

Quantifiable outcome

• Fixed broker fee of £395 with £200 on application and balance on mortgage offer

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Financial Conduct Authority (FCA)coreOthersAuthorised and regulated by the FCA under reference 1046609. This regulatory relationship is mandatory for operating as a mortgage broker in the UK, ensuring compliance with financial regulations and consumer protection standards.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Habito: UK's first fully online mortgage broker offering whole-of-market comparison through a digital platform. Directly comparable business model — independent, whole-of-market mortgage brokerage — delivered through a different (digital-first) channel.
• Alexander Hall: Established London-based independent mortgage broker offering whole-of-market residential and BTL mortgage advice. Directly comparable as an independent UK mortgage broker with similar whole-of-market positioning and advisor-led service model.
• SPF Private Clients: UK specialist mortgage broker focused on complex, high-net-worth, expat and non-standard cases. Directly comparable as an independent broker with notable overlap in the expat and specialist mortgage segments that Major Financial Services also targets.
• London & Country Mortgages (L&C): One of the UK's largest independent mortgage brokers providing whole-of-market advice. Directly comparable as an independent broker with a similar lender-neutral value proposition, though operating at much greater scale and with a remote-service model.
• John Charcol: Long-established UK specialist mortgage broker with particular strength in complex, high-value, and BTL cases. Directly comparable as an independent whole-of-market broker with overlap on the BTL and complex mortgage segments Major Financial Services serves.
• Better.co.uk: UK online mortgage broker with an emphasis on transparency, customer experience and competitive pricing. Directly comparable as an independent mortgage broker offering whole-of-market access with a transparent-fee ethos similar to Major Financial Services' £395 model.

Broad incumbents

• Mortgage Advice Bureau: One of the UK's largest mortgage advice networks, operating through a distributed panel of advisers. Comparable as a UK-wide mortgage broker incumbent offering the same whole-of-market mortgage advisory services, but at significantly greater scale through a multi-adviser network.
• Connells Group: Major UK estate agency and property services group that includes a mortgage services arm. Comparable as a broad incumbent offering mortgage brokerage as part of a wider property transaction ecosystem (estate agency, conveyancing, surveying).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/majorfinancialservices
• LinkedInlinkedin.com/company/major-financial-services
• Instagraminstagram.com/major_financial_services

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Major Financial Services