Mortgage Broker Services

What Mortgage Broker Services does

Mortgage Broker Services is a UK-based mortgage advisory and brokerage firm operating under the legal entity Thomas Oliver UK LLP, headquartered in Cheshunt, Hertfordshire. The firm is an appointed representative of The Openwork Partnership, an FCA-authorised network, which provides its regulatory framework and access to over 70 high street and specialist lenders with thousands of mortgage products including exclusive deals not available direct to consumers. It serves primarily individual consumers and small property investors across residential, buy-to-let, remortgage, and specialist segments (first-time buyers, home movers, keyworkers, bad-credit borrowers, skilled worker visa holders, contractors, and bridging finance clients).

The firm's core product is a full-service mortgage brokerage: personalised advice via direct consultation, handling of paperwork and form filling, and facilitation of the application from agreement in principle through to completion. It differentiates on service accessibility, offering same-day agreement in principle and out-of-hours appointments seven days a week, and has expanded into protection insurance products (mortgage protection, self-employed protection) as supplementary offerings. The core technology is essentially none — this is a relationship-led advisory practice rather than a technology platform.

Revenue is generated through lender commissions on placed mortgages, supplemented by protection product commissions. The firm employs approximately 12 staff, with the principal mortgage adviser Errol Hall being the named relationship contact across nearly all customer testimonials. The go-to-market is sales-led, relying on referrals, word-of-mouth, content marketing via a blog, and a presence on Facebook and LinkedIn. The firm is currently undergoing a brand rebrand to EH FINANCIALS, signalling a potential broadening of scope beyond mortgage brokerage.

Name

Mortgage Broker Services

Legal name

Thomas Oliver UK LLP

Website

https://mortgage-broker-services.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Broker Services is a UK mortgage advisory and brokerage firm (trading as Thomas Oliver UK LLP, sponsored by The Openwork Partnership) providing personalised mortgage advice and placement across residential, buy-to-let, and specialist segments to individual consumers and small property investors.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

akta.pro secondary industries

Hard Money / Private Mortgage Brokers (FSALABAH), Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Residential mortgages
• Buy-to-let mortgages
• Remortgage services
• Specialist mortgages

Headquarters

HQ city

Cheshunt

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Mortgage Advisory and Placement Services: The company earns commission from mortgage lenders for placing mortgage products with customers. They provide professional mortgage advice, handle all paperwork and form filling, and facilitate the mortgage application process from agreement in principle through to completion.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Mortgage Broker Services is a UK-based mortgage advisory and brokerage firm operating as a trading name of Thomas Oliver UK LLP, providing personalized mortgage advice and arranging mortgages through access to over 70 high-street and specialist UK lenders. The firm guides clients from initial Agreement in Principle through full application and completion, handling paperwork end-to-end across residential, buy-to-let, and specialist mortgage types.

Product overview

Mortgage Broker Services is a UK-based mortgage advisory and brokerage firm operating as a single unified service rather than a platform-plus-modules architecture. The core offering is mortgage brokerage access to over 70 high street and specialist lenders, supplemented by specialist product categories including First Time Buyer Mortgages, Home Mover Mortgages, Buy to Let Mortgages, Remortgage Services, Large Mortgages with Complex Income, Keyworker Mortgages (NHS, Police, Fire, Foster Carers), Bad Credit Mortgages, Skilled Worker Visa Mortgages, Bridging Loans, and Professional Mortgages. The company also offers protection products including Mortgage Protection and Self Employed Protection. The portfolio covers residential, buy-to-let, and specialist mortgage segments with a focus on accessibility (same-day agreement in principle, out-of-hours availability) and niche borrower categories underserved by mainstream lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• First-time Buyer Mortgages Mortgage advice and arrangement service for UK individuals purchasing their first home, supporting the client from initial Agreement in Principle through application and completion, with access to 70+ UK lenders.
• Home Mover Mortgages
• Buy-to-Let Mortgages
• Remortgages
• Specialist Mortgages (Self-Build, Bridging, Commercial, Holiday Let, Expat, Guarantor)
• Agreement in Principle (AIP)

Quantifiable outcome

• Many clients receive mortgage agreement in principle within 24 hours
• +1 more outcomes

Named customers14 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• The Openwork PartnershipcoreChannel Partner/ Reseller/ DistributorMortgage Broker Services is a trading name of Thomas Oliver UK LLP which is an appointed representative of The Openwork Partnership, a trading style of Openwork Ltd which is authorised and regulated by the Financial Conduct Authority. This partnership provides regulatory authorization and access to their network of over 70 high street and specialist mortgage lenders.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Mortgage Advice Bureau: Mortgage Advice Bureau is a UK-wide network of mortgage advisers offering whole-of-market mortgage advice. Directly comparable to MBS as a UK mortgage broker with similar product breadth, FCA-regulated structure, and adviser-led distribution.
• Habito: Habito is a UK digital mortgage broker and lender offering online mortgage advice and execution. Direct competitor for residential mortgage brokerage customers, though differentiated by digital-first versus MBS's human-adviser approach.
• London & Country Mortgages (L&C): L&C is one of the largest UK mortgage brokers, offering whole-of-market advice across residential, buy-to-let, and specialist lending. Direct peer to Mortgage Broker Services in product scope (full-spectrum UK mortgage brokerage) and customer base (UK consumers).
• SPF Private Clients: SPF Private Clients is a UK mortgage broker focused on high-net-worth, complex income, and professional borrowers. Directly comparable to MBS's "Large Mortgages with Complex Income" and professional mortgage offering.
• Coreco: Coreco is a specialist UK buy-to-let and bridging mortgage broker. Highly comparable to MBS's BTL and bridging loan offerings, with similar specialist-niche positioning.
• John Charcol: John Charcol is a long-established London-based mortgage broker specializing in complex income, large mortgages, and professional borrowers — a near-direct overlap with MBS's specialist segments.
• Private Finance: Private Finance is a UK mortgage broker offering whole-of-market advice with emphasis on complex income, professional, and high-value mortgages — overlapping with MBS's specialist product set.
• Trussle: Trussle is a UK online mortgage broker offering automated whole-of-market mortgage searches. Direct competitor in residential brokerage, differentiated by technology-led model versus MBS's adviser-led approach.

Others

• Openwork Partnership: Openwork is the parent network that MBS operates under, providing FCA authorization and lender access. Listed as ecosystem/partner rather than competitor, as it enables MBS's broker activities.

Broad incumbents

• Newcastle Building Society (Mortgage Advice): A major UK building society offering direct mortgage products and broker services. Broader incumbent compared to MBS — competing for the same borrower pool but operating as a principal lender rather than a pure intermediary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MortgageBrokerServices
• LinkedInlinkedin.com/company/mortgage-broker-services

Compliance1 record

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 Mortgage Broker Services