Police Mortgages

What Police Mortgages does

Police Mortgages is a UK specialist mortgage brokerage dedicated exclusively to serving serving and retired police officers, police staff, and their extended families. The company is operated by The Mortgage Hut Limited, an FCA-authorised firm (Firm Reference Number 1004588) owned by Mortgage Brands Holding Limited, and is headquartered in Southampton. It provides free mortgage and protection advice through 7 dedicated advisers (within a 20-adviser group), supported by telephone and face-to-face appointments scheduled around police shift patterns, with access to over 110 UK lenders and 11,000+ mortgage products — including exclusive deals not available on the high street.

The product portfolio spans residential mortgages (first-time buyer, remortgage, moving home, new build), government-backed schemes (Help to Buy, Shared Ownership), specialist products (buy-to-let, large mortgages over £750,000, bad credit, maternity income, let-to-buy), and secured loans (new car, debt consolidation, home improvement). The technology surface is deliberately lightweight: a consumer-facing mortgage calculator on the website, a mobile application on iOS and Android (with biometric identity verification, document upload, and in-app messaging), and a 30-day lender approval guarantee offering £500 back if completion is missed.

The business model is commission-based. The service is free to customers, and revenue is generated via lender commissions on completed mortgage placements and secured loan transactions. Distribution is anchored by formal partnerships with 23 UK Police Federations, providing endorsement and referral pipeline across police forces. The company has supported 15,000+ customers since founding in 2011, is founder-led (Chris Schutrups, a former Hampshire Constabulary Police Constable), and has received multiple industry awards including Best Broker - South East at the 2017 National Mortgage Adviser Awards (parent group).

Name

Police Mortgages

Legal name

The Mortgage Hut Limited

Website

https://police-mortgages.co.uk

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Police Mortgages is a UK FCA-authorised specialist mortgage brokerage serving police officers, staff, and their extended families through 23 Police Federation partnerships, 7 dedicated advisers, and access to 110+ UK lenders.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage Pre-Approval / Prequalification & Lead-to-Loan Retail Origination (FSALAAAN), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage services
• Specialist mortgage advice
• Buy to let mortgages
• Secured loans brokerage
• First time buyer mortgages

Headquarters

HQ city

Southampton

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, Infrastructure, Others

Revenue model

1. Mortgage brokerage commission: Police Mortgages provides mortgage advice and arranges mortgage products from a panel of over 110 UK lenders. The company earns commission from lenders and financial institutions for placing mortgage business. The service to customers is completely free of charge — advice and service is free for police officers, staff, and their families.
2. Secured loan brokerage: Secured loans (home improvement loans, debt consolidation loans, new car loans) are arranged through FCA-authorised lenders. Commission is earned from lenders on successful loan completions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Police Mortgages is a UK specialist mortgage brokerage that arranges mortgage and secured-loan products for police officers, police staff, and their extended families via a panel of over 110 UK lenders and 11,000+ mortgage products. Advice is delivered free of charge to the customer through telephone, face-to-face appointments, and a supporting mobile app, with revenue earned via lender commissions on completed cases. The portfolio covers first-time buyer, remortgage, moving home, buy-to-let, new build, Help to Buy, shared ownership, bad credit, large, maternity income, let-to-buy, and secured-loan use cases.

Product overview

Police Mortgages is a specialist mortgage brokerage service for UK police officers, staff, and their families. The core offering consists of expert mortgage advice across 110+ UK lenders, available via telephone or face-to-face appointments at their Southampton office. The product portfolio spans residential mortgages (first-time buyer, remortgage, moving home), investment products (buy-to-let, let-to-buy), government schemes (Help to Buy, Shared Ownership), specialist products (bad credit, large mortgages, maternity income), and secured loans (new car, debt consolidation, home improvements). Additional services include a mobile application for tracking applications and document upload, plus a 30 Day Lender Approval Guarantee. The service is free of charge for the police community, and the company maintains FCA authorization through parent company The Mortgage Hut Limited.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advice Service Core specialist mortgage advice service for police officers, police staff, and their extended family, comparing 110+ UK lenders to find a suitable mortgage deal.
• First Time Buyer Mortgages
• Remortgage Service
• Moving Home Mortgage Service
• Buy to Let Mortgage Service
• Help to Buy Mortgage Service
• Shared Ownership Mortgage Service
• New Build Mortgage Service
• Bad Credit Mortgage Service
• Large Mortgage Service
• Let to Buy Mortgage Service
• Maternity Income Mortgage Service
• Secured Loan Brokerage Service

Quantifiable outcome

• 15,000+ customers helped get their dream home
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 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.

• 23 UK Police FederationscoreGTM or Marketing PartnerPolice Mortgages is linked with 23 Police Federations across the UK including Metropolitan Police, Police Scotland, Greater Manchester Police, Hampshire Police, West Midlands Police, West Yorkshire Police, and many others. Federations provide official endorsement and referral of their members to Police Mortgages. The company is passionate about helping as many federation members as possible access suitable mortgage advice. Federation partner logos are displayed on the website as a trust signal.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• The Mortgage Hut: Parent trading brand under The Mortgage Hut Limited alongside Police Mortgages. Directly comparable business (same FCA-licensed entity, same advisory model, broader customer base beyond police), making it the closest internal comparable.
• MoneySupermarket: UK price-comparison platform with mortgage comparison as a core vertical. Comparable as an indirect competitor in mortgage lead generation, though operating as an aggregator rather than a regulated mortgage adviser.
• Countrywide Mortgage Services: Large UK mortgage broker associated with the Countrywide estate-agency network. Comparable as a high-volume UK residential mortgage intermediary, though without the police vertical niche.

Direct peers

• SPF Private Clients: UK mortgage broker specialising in professionals and complex income cases, including high-net-worth and professional borrowers. Comparable as a vertical specialist broker serving segments whose income is misunderstood by mainstream lenders.
• John Charcol: Long-established specialist UK mortgage broker focused on complex and professional borrowers. Comparable to Police Mortgages in serving niche/professional customer segments (e.g., complex income, professional clients) via whole-of-market access.
• Alexander Hall: UK mortgage broker providing whole-of-market access with a focus on professional and first-time-buyer segments. Comparable as a UK mortgage intermediary with panel-based lender access and a consumer-facing advisory model.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market access to lenders. Comparable to Police Mortgages as a fee/commission broker arranging residential and buy-to-let mortgages across a broad lender panel, but at much greater scale and without a vertical niche.
• Habito: UK online mortgage broker and advisory platform offering whole-of-market mortgage searches. Comparable as a UK mortgage intermediary serving consumers, but competing via a digital-first model rather than vertical specialism.
• Trussle: UK digital mortgage broker offering automated whole-of-market searches and broker support. Comparable as a mortgage broker serving UK consumers, but competing on technology/digital UX rather than community specialism.
• Airline Mortgage Shop: Sibling trading brand of Police Mortgages under the same Mortgage Brands Holding Limited parent. Directly comparable as a UK mortgage broker with whole-of-market lender access, but specialised to the airline/aviation workforce.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/policemortgages
• LinkedInlinkedin.com/company/police-mortgages

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Police Mortgages