Capital Finance

What Capital Finance does

Capital Finance Brokers Limited is an FCA-authorised (FRN 943805), independent, whole-of-market mortgage and protection intermediary headquartered at 81 Rivington Street, London, serving UK residents since 2017. The firm operates as a broker rather than a principal lender, intermediating between borrowers and a network of high street, private, international, and niche UK mortgage and bridging lenders, plus insurance underwriters. Its product portfolio spans seven mortgage categories — Remortgage, Buy to Let, Commercial, Bridging, Self-Employed/Directors, Day Rate Contractors, and HNW/Private Clients — alongside a protection suite covering Mortgage Protection, Life Insurance, Income Protection, and Critical Illness. Approximately 20 advisers deliver service via a sales-led, appointment-based model with phone, email, website, and Google Business as the primary acquisition channels.

Under the hood, the firm relies on standard intermediation tooling rather than proprietary technology: Mortgage Brain for product sourcing and rate comparison across the lender panel, HubSpot for CRM and marketing automation, Google Analytics for website performance, and a third-party electronic identity verification provider for AML-compliant onboarding. There is no disclosed proprietary platform, API, or AI/ML capability; differentiation rests on adviser expertise, lender panel breadth, and the ability to place complex cases (self-employed, contractor, commercial, bridging, HNW) that mainstream lenders or direct consumers cannot efficiently handle. Compliance infrastructure includes FCA authorization under MCOB and Consumer Duty, ICO data controller registration, and adherence to the Money Laundering Regulations 2017.

Capital Finance generates revenue entirely on a transaction-fee basis, earning commission from lenders and insurance providers on each successfully placed mortgage or protection product; pricing is not publicly disclosed and varies by product, lender, and case complexity. The customer base is a long-tail of individual consumers, property investors, and small business borrowers across the UK, with no disclosed enterprise customers or anchor accounts. The company is privately held with no external institutional investors, no funding rounds, and no M&A activity identified in the source material; ownership and management rest with Director Pras Suntaramoorthy and a team of specialist advisers including a Head of Specialist Finance and a dedicated Protection Adviser. Geographic expansion beyond the London headquarters is executed through remote advisers (e.g., Hastings/East Sussex) rather than branch offices.

Name

Capital Finance

Legal name

Capital Finance Brokers Limited

Website

https://capitalfinance.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Finance Brokers Limited is an FCA-authorised, independent UK whole-of-market mortgage and protection broker that places residential, buy-to-let, commercial, bridging, and specialist mortgage cases with high street, private, and niche lenders on behalf of individual consumers, property investors, and small businesses.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage services
• Commercial mortgage lending
• Bridging finance solutions
• Protection insurance products
• Specialist mortgage advice

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Commission: Commission earned from mortgage lenders and building societies for arranging mortgage products on behalf of clients. As an independent broker, they receive commission from various lenders in the market.
2. Protection Product Commission: Commission from insurance providers and underwriters for arranging protection products including life insurance, critical illness cover, income protection, and mortgage protection.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Capital Finance is an independent, whole-of-market mortgage and protection broker that arranges residential, buy-to-let, commercial, bridging, and specialist mortgage products on behalf of UK clients. The firm also arranges protection products including life insurance, critical illness cover, income protection, and mortgage protection through a panel of UK lenders and insurance providers. Advisers approach suitable lenders, process applications, and provide bespoke personal advice across the entire UK mortgage and protection market.

Product overview

Capital Finance is an independent, whole-of-market mortgage broker and protection intermediary offering a comprehensive suite of mortgage and insurance products. The core mortgage offerings include Remortgage, Buy to Let, Commercial Mortgages, and Bridging Finance, which form the primary product portfolio. Specialist mortgage products for Self Employed & Company Directors, Day Rate & Fixed Term Contractors, and High Net Worth & Private Clients address niche borrower segments. Protection products including Mortgage Protection, Life Insurance, Income Protection, and Critical Illness Cover complement the mortgage offering. The business operates as an intermediary connecting borrowers with lenders through sourcing platforms and a team of advisers, providing independent advice across the entire UK mortgage and protection market.

Differentiator

Problem solved

Functional benefit

Products and services

• Remortgage Mortgage refinancing service allowing UK clients to switch lenders or borrow additional funds. Capital Finance provides whole-of-market comparison to identify the best available remortgage deal and handles the full application process.
• Buy to Let Specialist mortgage products for UK investors purchasing property to rent out, including portfolio landlord and first-time buy-to-let investor solutions. Capital Finance sources tailored BTL deals to support rental property investment strategies.
• Commercial Mortgages Loans secured against commercial or non-residential properties for purchase or refinance, covering full commercial, mixed-use properties, and land. Capital Finance accesses the whole commercial mortgage market including lenders not available on the high street.
• Bridging Finance Short-term bridging loans to bridge the gap between property purchases and traditional mortgage approval, sale completion, or release of funds. Capital Finance has access to all UK bridging loan lenders to source the cheapest bridging rates.
• Self Employed and Company Directors Mortgages Specialist mortgage products for self-employed individuals and company directors using alternative income verification methods. Capital Finance identifies the most favourable lender for each client's specific income documentation and accounts history.
• Day Rate and Fixed Term Contractors Mortgages Mortgage products using contract-based underwriting that annualises contractor day rates to assess affordability. Capital Finance accesses this specialist underwriting route, which is only available through intermediaries, on behalf of day rate and fixed term contractors.
• High Net Worth and Private Clients Mortgages Specialist mortgage products for high net worth individuals connecting clients to private lenders offering higher loan-to-income and loan-to-value ratios. Capital Finance introduces clients to private banks for holistic wealth-based affordability assessment.
• Mortgage Protection Insurance products including life assurance, critical illness, and income protection designed to maintain mortgage payments during unforeseen circumstances. Capital Finance arranges mortgage protection cover on behalf of clients.
• Life Insurance Life cover policies paying a cash sum to beneficiaries upon death, designed to protect loved ones from financial hardship. Capital Finance arranges life insurance on behalf of clients from a panel of insurers.
• Income Protection Insurance policies paying regular monthly amounts when illness or injury prevents work, covering rent, mortgage, and living costs. Capital Finance arranges income protection cover on behalf of clients.
• Critical Illness Cover Insurance policies paying a tax-free lump sum upon diagnosis of a critical illness to support families financially during recovery. Capital Finance arranges critical illness cover on behalf of clients from a panel of insurers.

Quantifiable outcome

• Fast access to bridging loans with access to all UK bridging lenders for best rates

Named customers1 record

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

Six partnerships are on record, tiered core.

• Mortgage BraincoreTechnology or IntegrationMortgage sourcing platform used to research and compare mortgage products across the market. Enables the company to access and compare offerings from multiple lenders efficiently.
• HubSpotcoreTechnology or IntegrationCRM platform used to manage client relationships, communications, and service delivery. Supports marketing automation and customer data management.
• UK Mortgage Lenders and Building SocietiescoreChannel Partner/ Reseller/ DistributorNetwork of high street, private, international and niche lenders who provide mortgage products. As a whole-of-market broker, they have access to lenders across the UK market including those not available directly to consumers.
• Insurance Providers and UnderwriterscoreChannel Partner/ Reseller/ DistributorProtection product providers including life insurance, critical illness, and income protection insurers. The company arranges these products on behalf of clients.
• Credit Reference AgenciescoreOthersUsed as part of the mortgage application process as required by lenders for credit checks and affordability assessments.
• Electronic Identity Verification ProvidercoreTechnology or IntegrationIdentity verification service used to comply with anti-money laundering regulations and verify client identity.

Scale indicators2 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• London & Country Mortgages: Largest independent whole-of-market mortgage broker in the UK, offering residential, buy-to-let, and remortgage advice across the full lender panel. Directly comparable to Capital Finance on independent intermediary positioning, whole-of-market access, and fee-based revenue model, though at materially greater scale.
• John Charcol: Long-established London-based independent mortgage broker focused on complex, large, and non-standard residential and buy-to-let cases. Strongly comparable to Capital Finance on specialist intermediary positioning, complex-case underwriting expertise, and London-centric adviser base.
• SPF Private Clients: UK specialist mortgage and high-net-worth broker arranging large and complex loans through private banks and niche lenders. Highly comparable to Capital Finance's HNW & Private Clients proposition and its access-driven distribution model for borrowers outside the high-street credit box.
• Coreco: Independent London-based specialist mortgage broker focused on complex residential, buy-to-let, and high-net-worth cases. Directly comparable to Capital Finance on independent whole-of-market intermediation, complex-case specialism, and central-London adviser operation.
• Private Finance: Independent UK mortgage and wealth advisory firm arranging residential, buy-to-let, and commercial mortgages plus protection. Directly comparable to Capital Finance on independent intermediary model, whole-of-market positioning, and coverage of high-net-worth and complex-income clients.
• MPowered Mortgages: Specialist UK mortgage broker arranging large and complex loans, particularly for high-net-worth, professional, and self-employed borrowers. Comparable to Capital Finance on specialist complex-case underwriting focus and intermediary-only access to private lenders.
• Enness: Independent UK mortgage broker specialising in high-net-worth and large-balance residential lending, with access to private banks and private lenders. Closely comparable to Capital Finance's High Net Worth & Private Clients offering and its emphasis on loan-to-income and loan-to-value ratios beyond mainstream criteria.

Broad incumbents

• Mortgage Advice Bureau: UK-wide mortgage and protection intermediary network with a large adviser base and consumer-facing brand. Comparable to Capital Finance as a regulated intermediary sourcing products from the whole market, but operates at network scale and offers a broader proposition including protection, later-life lending, and wealth referrals.

Emerging players

• Habito: Digital-first UK mortgage broker and adviser, offering an online application journey with human advisers available. Comparable to Capital Finance as a mortgage intermediary but differentiates through a technology-led, self-serve experience that competes for the more straightforward residential cases.
• Trussle: UK online mortgage broker offering automated mortgage recommendations with adviser support. Comparable to Capital Finance as a UK mortgage intermediary but positioned at the digital-first end of the spectrum, primarily competing for standard residential remortgage flows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/capital-finance-brokers

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 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 Capital Finance