Hearthstone Mortgages

What Hearthstone Mortgages does

Hearthstone Mortgages is a UK-based mortgage intermediary that arranges residential and buy-to-let mortgages and related protection policies for UK borrowers. The company was founded in 2019 and operates from Cross Hands, Wales, with a small team of 1-10 employees. It is a privately held, for-profit entity focused on the UK retail mortgage intermediary market, and serves individual consumers seeking owner-occupier residential lending, buy-to-let investors, and borrowers bundling ancillary protection cover with their mortgage transaction.

As a mortgage arranger, the firm acts as an intermediary between borrowers and lenders, sourcing and packaging mortgage applications on behalf of clients across both owner-occupier residential lending and the buy-to-let segment. Its protection offering sits alongside the mortgage product set, covering typical ancillary cover such as life, critical illness, and income protection policies that are commonly bundled at origination in the UK market. No proprietary technology, platform architecture, or differentiated tooling was identified in the source data; the company website itself was inaccessible during data collection (displaying only a verification page), which limited visibility into lender panel composition, product specifications, or any digital infrastructure.

The firm does not lend its own balance sheet; revenue is derived from arrangement fees, procuration fees paid by lenders, and/or commission on protection policies, which is the standard revenue mechanic for UK mortgage brokers. With no disclosed funding rounds, ownership structure, leadership team, partnerships, awards, or financial history in the available data, Hearthstone Mortgages appears to operate as a small-scale independent brokerage within the broader UK intermediary channel. The absence of publicly visible content, named lender panel partners, or industry recognition makes competitive positioning difficult to assess against larger broker networks and clubs.

Name

Hearthstone Mortgages

Website

https://hearthstonemortgages.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Hearthstone Mortgages is a UK-based mortgage broker that arranges residential and buy-to-let mortgages and protection policies for individual UK borrowers, operating with a small team from Cross Hands, Wales.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

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

Commercial & Multifamily Mortgage Brokers (FSALABAB), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Residential mortgages
• Buy-to-let mortgages
• Mortgage brokerage
• Protection policies
• UK mortgage services

Headquarters

HQ city

Cross Hands

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Hearthstone Mortgages arranges residential and buy-to-let mortgages for UK borrowers, and also arranges protection policies (such as life, critical illness, or income protection cover typically associated with mortgage lending). The firm acts as a mortgage intermediary/broker sourcing mortgage products from lenders on behalf of its clients.

Product overview

Hearthstone Mortgages is a UK-based mortgage services company. The source data only contains a loading/verification page with no substantive information about the company's product offerings, portfolio structure, or named products and services.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Arrangement Arrangement of residential (owner-occupier) mortgage products from lenders on behalf of UK borrowers.
• Buy-to-Let Mortgage Arrangement Arrangement of buy-to-let (investment) mortgage products from lenders for UK borrowers purchasing or refinancing rental property.
• Protection Policy Arrangement Arrangement of protection insurance policies (such as life cover, critical illness cover, or income protection) that typically accompany mortgage lending for UK borrowers.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Direct peers

• London & Country Mortgages: UK whole-of-market mortgage broker arranging residential and buy-to-let mortgages nationally, directly comparable in product scope and customer base to Hearthstone Mortgages.
• SPF Private Clients: UK mortgage broker focused on high-net-worth residential, buy-to-let and complex income cases, with similar specialist positioning to Hearthstone's BTL offering.
• John Charcol: Long-established London-based UK mortgage broker with strong buy-to-let and specialist lending franchise, comparable to Hearthstone on BTL specialization.
• Habito: UK digital mortgage broker and lender offering online whole-of-market advice and execution, competing for the same residential borrower segment with a tech-led model.
• Online Mortgage Advisor: UK broker matching borrowers with advisers across residential and BTL, overlapping Hearthstone's core proposition via a digitally-enabled lead generation model.

Emerging players

• Better.co.uk: UK online-first mortgage broker offering whole-of-market comparison and execution, competing for the same residential borrowers with a digital-native experience.

Broad incumbents

• Mortgage Advice Bureau: Largest UK mortgage broker network with thousands of advisers, providing direct competition for smaller regional brokers across residential and BTL lending.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat1 record

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/HearthstoneMortgages
• LinkedInlinkedin.com/company/hearthstone-mortgages

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 Hearthstone Mortgages