The Levels Financial

What The Levels Financial does

The Levels Financial is a UK mortgage advisory firm established in 2019, headquartered in Long Sutton, Somerset, with additional offices in Langport, Exminster, and a registered office in Taunton. Operating as an appointed representative of Mortgage Advice Bureau (Derby) Limited, the firm is FCA-regulated and brokers access to over 100 lenders offering more than 28,000 mortgage products. Its core offering spans six mortgage categories (first-time buyer, remortgage, moving home, buy-to-let, shared ownership, self-employed) plus seven protection insurance lines and four online financial calculators.

The firm runs a sales-led, relationship-driven distribution model combining face-to-face advisory in its South West offices with remote and phone consultations, supported by online booking and SEO-optimised local area pages for national UK reach. Technology use is modest and adviser-mediated: AI and automated decision-making systems support affordability assessment and product sourcing, with all outputs reviewed by human advisers; AI is additionally used for AML identity verification and complaints handling. The 24/7 mortgage monitoring service provides ongoing client engagement throughout the fixed term, generating repeat engagement and remortgage flow.

Revenue is generated from three streams: client advisory fees (up to 1% of amount borrowed, typically 0.3%), lender commissions across the 100+ lender network, and protection product commissions. The firm has invested heavily in brand-building, evidenced by ESTAS 2025 awards (#1 in South West, #2 in the UK for customer service), 650+ five-star Google reviews, dedicated content marketing, and Torquay United sponsorship, positioning itself as a customer-service-led regional challenger with growing national reach.

Name

The Levels Financial

Legal name

The Levels Financial Limited

Website

https://thelevelsfinancial.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

The Levels Financial is a UK FCA-regulated mortgage advisory firm serving retail borrowers across six mortgage categories and seven protection insurance lines via 100+ lenders and a South West-rooted, nationally distributed advisory model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage and Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (524210)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage advisory services
• Mortgage brokerage
• Protection insurance
• Remortgage advisory
• First time buyer mortgages

Headquarters

HQ city

Long Sutton, England

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advice Fees: Fees charged to clients for mortgage advisory services. The fee is up to 1% of the amount borrowed, with a typical fee of 0.3%. This is a one-time fee collected at the point of securing a mortgage.
2. Lender Commissions: Commissions received from over 100 lenders across 28,000+ mortgage products when placing client mortgages. Revenue is generated through trail commissions and placement fees from lending partners.
3. Protection Product Commissions: Commissions from protection products including life insurance, income protection, critical illness cover, buildings and contents insurance, and family income benefit.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

The Levels Financial is a UK mortgage brokerage and protection insurance advisory firm operating through face-to-face, phone, and online channels. Its advisors source mortgages from a network of 100+ lenders covering 28,000+ products, and place protection policies from leading insurers. Services span first-time buyer, remortgage, home-mover, buy-to-let, shared ownership, and self-employed mortgages, alongside life, income protection, critical illness, and other protection products. A 24/7 mortgage monitoring service provides ongoing post-sale deal surveillance.

Product overview

The Levels Financial is an award-winning mortgage advisory firm and appointed representative of Mortgage Advice Bureau. Their core offering is mortgage advisory services spanning six mortgage product categories (First Time Buyer, Remortgaging, Moving Home, Buy to Let, Shared Ownership, and Self-Employed mortgages), complemented by seven protection insurance products (Life Insurance, Income Protection, Mortgage Payment Protection, Building and Contents Insurance, Critical Illness Cover, Family Income Benefit, and Business Insurance). The firm also provides four financial calculation tools for affordability assessment. Services are delivered through a network of over 100 lenders with access to more than 28,000 mortgage products.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages

Quantifiable outcome

• Number 1 mortgage advisor in South West for customer service, 2nd in UK (ESTAS 2025)
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Mortgage Advice Bureau (Derby) LimitedcoreStrategic or Co-development PartnerThe Levels Financial Limited is an appointed representative of Mortgage Advice Bureau (Derby) Limited, which is authorised and regulated by the Financial Conduct Authority. This network relationship provides regulatory authorisation, access to lender networks, training, and support services.
• Wealth Management Firm (Unnamed)minorStrategic or Co-development PartnerPartnership with a wealth management firm for handling tax implications (IHT, CGT) related to concessionary mortgages. Can set up joint appointments to ensure correct financial planning.
• 100+ UK LenderscoreTechnology or IntegrationNetwork of over 100 different lenders providing access to more than 28,000 mortgage products. Includes major high street banks and specialist lenders. Lenders include Halifax, Nationwide, NatWest, Santander, Kensington Mortgages, and Saffron Building Society.

Scale indicators6 records

Recent moves4 records

Expansion highlights6 records

Broad incumbents

• Connells Group: Major UK estate agency and mortgage services group with in-house and network mortgage advisory. Overlaps with The Levels Financial through estate-agent referral channels and the South West market, but operates a much wider portfolio.
• Openwork Partnership: Large UK financial advice network that supports mortgage and protection advisers in a model structurally similar to The Levels Financial's MAB (Derby) arrangement. Broader than a pure mortgage peer but operates a directly comparable appointed-representative model.

Direct peers

• SPF Private Clients: UK mortgage broker focused on professional and high-net-worth segments including NHS, legal, and accountancy professionals. Closely comparable to The Levels Financial's NHS vertical and complex-borrower positioning.
• Mortgage Advice Bureau: The parent network of which The Levels Financial is an appointed representative. Operates a national UK network of mortgage advisors with similar product-sourcing, commission, and protection cross-sell models — the most directly comparable business.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, with whole-of-market lender access and a fee/commission model closely aligned to The Levels Financial. Comparable on product breadth, customer segments, and revenue mix.
• First Mortgage Direct: UK whole-of-market mortgage broker operating through appointed representatives with a similar regulatory and business model. Comparable on lender panel breadth and commission-led economics.
• John Charcol: Long-established UK independent mortgage broker with whole-of-market access and a strong reputation in complex cases and remortgaging. Highly comparable on target customer and product breadth.

Emerging players

• Habito: A UK digital-first mortgage broker offering online advice and product comparison. Competes for the same first-time-buyer and remortgage customers but delivers through a self-serve technology platform rather than face-to-face advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-levels-financial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 The Levels Financial