VICKERS YOUNG LIMITED

What VICKERS YOUNG LIMITED does

Vickers Young Limited is a UK-based whole-of-market mortgage broker and financial advisory firm founded in 2012 by Corby MacDonald. The company arranges residential, buy-to-let, commercial, and specialist mortgages alongside protection insurance products (life, income protection, family income benefit, buildings and contents) for individual consumers across the UK and internationally. The firm operates as an appointed representative of Stonebridge Mortgage Solutions Ltd under FCA authorization (FRN: 599781), with offices in Ashby de la Zouch (headquarters), Leeds, and Manchester, supported by a team of 11+ employees.

The business is differentiated by its focus on complex and non-standard mortgage cases that High Street lenders typically decline, including adverse credit, self-employed, expat, self-build, bridging, and development finance applications. A sister company, Vickers Young Commercial Financial Services Limited, handles commercial finance separately. Revenue is generated through a combination of client fees (typically £495, up to £995 per case) and lender proc fees on completed mortgage transactions. Distribution is conducted through a regional advisor network with a client portal and video conferencing for remote service delivery, targeting both UK residents and international/expat borrowers seeking UK property finance.

Name

VICKERS YOUNG LIMITED

Legal name

Vickers Young Limited

Website

https://vickersyoung.co.uk

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Vickers Young Limited is a UK whole-of-market mortgage broker founded in 2012, arranging residential, buy-to-let, commercial, and specialist mortgages plus protection insurance for UK consumers and expat borrowers, with particular focus on complex non-standard cases.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage and Financial Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industries

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG), Hard Money / Private Mortgage Brokers (FSALABAH), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Mortgage advisory services
• Protection insurance products
• Residential mortgage brokerage
• Commercial property finance
• Specialist lending advice

Headquarters

HQ city

Ashby de la Zouch

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Fees: Fees charged for mortgage advice and arrangement services. Typically £495, up to £995 depending on individual circumstances. Fee agreed prior to advice and payable upon receipt of mortgage offer.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Vickers Young Limited is a whole-of-market mortgage broker and financial services provider that arranges mortgages and protection insurance for individual and commercial clients across the UK and internationally. The company advises on a comprehensive range of mortgage products from across the market (including deals not available on the High Street) covering residential, buy-to-let, commercial, self-build, bridging, development finance, bad credit, and overseas/expat mortgages. It also arranges protection insurance (life, income protection, family income benefit, buildings and contents). The firm operates as an appointed representative of Stonebridge Mortgage Solutions Ltd under FCA regulation (firm reference 599781).

Product overview

Vickers Young Limited is a whole-of-market mortgage broker and financial services provider offering a comprehensive suite of mortgage and insurance products. The core offering centers on mortgage advisory services (standard, buy-to-let, commercial, and specialist mortgages) and protection insurance (life, income protection, family income benefit). The company operates as an appointed representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority (Firm Reference: 599781). Specialist mortgage products include bad credit, bridging loans, development finance, self-build, and overseas/expat mortgages. Insurance offerings comprise life insurance, income protection, family income benefit, and buildings/contents insurance. A client portal provides account access. Commercial finance products are delivered through sister company Vickers Young Financial Services Limited. The company serves clients across the UK and internationally, utilizing remote communication methods including video conferencing.

Differentiator

Problem solved

Functional benefit

Brands

• Vickers Young Commercial Financial Services Limited: Sister company providing commercial mortgages, development finance, and bridging loan services for business property and portfolio landlord transactions.

Products and services

• Mortgages Core mortgage advisory service providing access to a comprehensive range of mortgage products across the UK market, including special deals not available on the High Street. Covers standard repayment and interest-only mortgages with various rate types for UK consumers.
• Buy to Let Mortgages Mortgage products tailored for investors purchasing property to rent to tenants. Covers both standard buy-to-let and portfolio landlord requirements.
• Overseas & Expat Mortgages Specialist mortgage services for overseas nationals living in the UK, foreign expats purchasing UK property, parents of overseas students, overseas portfolio landlords, and overseas buy-to-let investors.
• Self-Build / New Build Mortgages Specialist lending for self-build projects and new build purchases. Lenders can fund up to 100% of land purchase and build costs with outline planning permission, with funds released in stage payments.
• Bridging Loans Short-term funding to bridge financial gaps when buying property before selling another. Available from £50,000 to £10 million with amounts based on available equity. Can be arranged quickly for time-sensitive deals.
• Development Finance Short-term funding for construction or refurbishment of residential and commercial properties. Typically based on completed property value (GDV) with up to 70% GDV and 100% build costs available. Offered through sister company Vickers Young Commercial Financial Services Ltd.
• Commercial Mortgages Mortgage products for business owners to borrow funds to buy property or land for business purposes, including portfolio landlords. Offered through sister company Vickers Young Financial Services Limited.
• Bad Credit Mortgages Specialist mortgage advisory for clients with credit issues including missed payments, CCJs, defaults, bankruptcies, and IVAs. Works with lenders including those who review credit holistically without traditional credit score checks.
• Life Insurance Term life insurance providing tax-free lump sum payout on death. Available as single or joint policies, with options for combined life and critical illness cover. Can be written into trust and offered on level term or decreasing term basis.
• Income Protection Policy paying monthly tax-free income (50-70% of salary) if unable to work due to illness or injury. Pays out until return to work or retirement age, with deferred period options ranging from one month to one year.
• Family Income Benefit Life cover policy paying regular income (rather than lump sum) to surviving family if policyholder dies during the term. Critical illness add-on available. Designed to provide ongoing financial support.
• Buildings and Contents Insurance Home insurance products covering buildings (bricks, mortar, fixtures) and contents (possessions). Includes new-for-old and indemnity policy options with additional covers for legal expenses, home emergencies, and accidental damage.

Named customers4 records

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• Stonebridge Mortgage Solutions LtdcoreOthersVickers Young Limited is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Stonebridge provides the regulatory framework and oversight for Vickers Young's mortgage advisory services. FCA Firm Reference Number: 599781.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• John Charcol: Long-established UK mortgage broker specialising in complex and non-standard cases including self-employed, contractors, and adverse credit. Highly comparable to Vickers Young's specialist / complex-case positioning.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market mortgage and protection advice directly to consumers. Directly comparable as a fee- and commission-based whole-of-market broker serving national UK consumers.
• SPF Private Clients: Specialist UK mortgage broker focused on high-net-worth, complex income, and prime property clients. Comparable to Vickers Young on the 'specialist/complex case' axis, though targeting the upper end of the market.
• Trussle: UK online mortgage broker offering whole-of-market mortgage comparison and broker services. Directly comparable as a UK consumer mortgage intermediary with a digital-led proposition.
• Habito: UK digital mortgage broker offering online and adviser-supported mortgage advice. Directly comparable as a UK consumer-facing mortgage intermediary, differentiated only by technology-led positioning.

Broad incumbents

• Mortgage Advice Bureau: Large UK mortgage broker network with a national network of advisers, offering whole-of-market mortgage and protection advice. Comparable as a scaled intermediary, though larger and network-based rather than independent.
• Atom Bank: UK digital challenger bank with a substantial mortgage business offering direct mortgage products. Comparable as a digital-first UK mortgage provider; differs in that it funds rather than intermediates.
• Leeds Building Society: UK building society with a strong specialist mortgage offering across buy-to-let, self-build, and complex income cases. Comparable to Vickers Young's specialist lending segments, though operating as a direct lender.

Emerging players

• Foundation Home Loans: UK specialist lender focused on complex borrower segments including buy-to-let, near-prime, and adverse credit. Comparable to Vickers Young's bad-credit and specialist lending focus, though operating as a lender rather than a broker.

Others

• Stonebridge Mortgage Solutions Ltd: Network/principal firm of which Vickers Young is an appointed representative. Provides the regulatory umbrella under which Vickers Young operates, and is highly comparable as both a regulatory peer and a distribution channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/vickersyoung
• LinkedInlinkedin.com/company/vickers-young-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 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 VICKERS YOUNG LIMITED