Moffat Mortgages Ltd.

What Moffat Mortgages Ltd. does

Moffat Mortgages Ltd., trading as Moffatts, is a privately-owned, FCA-authorized independent financial advisory firm headquartered in Manchester, England. Founded in 1967 and operating under the legal entity Moffatt Financial Planning Limited, the firm provides holistic financial planning across six core service lines: whole-of-market mortgages, independent pension advice, bespoke protection (life, mortgage, and income cover), tax planning, investment advisory with risk-based portfolio reviews, and general insurance quotation comparison. The primary customer base is private individuals seeking integrated advice across life stages, with secondary segments in small businesses and medium-sized companies requiring corporate financial planning, employee benefits, and business pension schemes.

The firm operates a sales-led, relationship-driven model underpinned by a structured three-stage client engagement: initial consultation, recommendation development coordinated with accountants and solicitors, and ongoing review. Its technology layer is composed entirely of third-party integrations — the P1 Investment Management client wealth platform for portfolio management and the Twenty7Tec FinPlan client portal for secure client access and document exchange. All financial planners hold the Chartered Financial Planner designation, with both Directors additionally Chartered (one with CII Fellowship), supporting a uniformly credentialed advisory bench of approximately five named professionals.

Revenue is generated through two remuneration routes: direct fee payment for advisory services (with full cost transparency disclosed in advance), and adviser charging where product providers deduct advice fees from recommended pensions, investments, or protection products on both initial and ongoing bases. Mortgage sourcing is conducted on a whole-of-market basis rather than via a restricted lender panel. Pricing is not publicly disclosed; clients are routed to a free initial consultation. The firm operates from a single Manchester office, with no disclosed plans for geographic or product-line expansion, and competes in the UK IFA segment purely on independence, qualifications, and longevity rather than on technology differentiation or scale.

Name

Moffat Mortgages Ltd.

Legal name

Moffatt Financial Planning Limited

Website

https://moffatts.com

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

1–10 employees

Short description

Moffat Mortgages Ltd. (trading as Moffatts) is a Manchester-based, FCA-authorized independent financial adviser founded in 1967, providing holistic financial planning — mortgages, pensions, protection, investments, tax planning, and insurance — to private individuals, small businesses, and medium-sized companies across the UK.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Business Owner & Executive Financial Planning (FSAEAAAO), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Independent financial advice
• Mortgage brokerage
• Pension planning
• Wealth management advisory
• Protection insurance services

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-based Advisory Services: Direct fee payment model where clients are advised in advance of the cost of advice. Upon completion of the advice, the firm invoices clients directly for services provided. This provides complete transparency and flexibility in how clients pay for financial planning services.
2. Adviser Charging: Facilitated payment model where the product provider deducts the cost of advice services from the recommended financial product (both initially and on an ongoing basis). This allows clients who prefer not to pay upfront fees to access independent financial advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Moffatt Financial Planning provides independent, holistic financial planning and advisory services to private individuals, small businesses, and medium-sized companies. Its core offerings span six integrated areas: whole-of-market mortgage advice, independent pension advice, bespoke protection solutions (life, mortgage, and income protection), tax planning, risk-based investment advisory, and general insurance brokerage. Services are delivered via an initial consultation, recommendation development, and ongoing review process.

Product overview

Moffatt Financial Planning offers a holistic financial planning service as a unified offering rather than a modular platform. The core service encompasses six integrated financial planning areas: Mortgages (whole-of-market mortgage advice), Pensions (independent retirement planning), Protection (life and income protection), Tax Planning (tax-efficient portfolio strategies), Investments (risk-based investment advisory with regular portfolio reviews), and General Insurance (multi-insurer coverage comparison). The company emphasizes its independent, unbiased advice across all areas, with all Financial Planners holding Chartered Financial Planner status. Services are delivered through a structured process of initial meeting, recommendation development, and ongoing review.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Holistic approach considers all aspects of financial plan ensuring comprehensive coverage

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• P1 Investment Management LimitedcoreTechnology or IntegrationP1 Investment Management Limited provides the P1 Platform powering Moffatt's client wealth platform. This technology partnership enables clients to access and manage their financial portfolios through a digital platform. P1's privacy policy governs data handling for this platform.
• Twenty7Tec GroupcoreTechnology or IntegrationTwenty7Tec Group provides the FinPlan client portal powering Moffatt's client portal functionality. This integration allows clients to access their financial information and communicate with the firm through a secure digital portal.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Charles Stanley: UK wealth manager providing discretionary investment management and financial planning to private clients. Directly comparable business model combining portfolio management with pension, tax, and protection advice.
• Killik & Co: Independent UK financial adviser offering personalised wealth planning across investments, pensions, tax, and mortgages. Closely comparable independent ethos and holistic proposition, though London-centric versus Moffatt's Manchester base.
• Tilney (Evelyn Partners): UK-based financial planning and investment management firm offering integrated wealth, tax, and pension advice. Comparable in offering holistic independent advice to private individuals, with materially larger geographic footprint.
• Lighthouse Group: UK financial advisory and wealth management group serving individuals and small businesses with pensions, investments, and tax planning. Comparable in serving the mass-affluent and small-business segments through an adviser-led model.

Emerging players

• Nutmeg: Digital-first UK robo-advisor offering investment and pension management via a low-fee online platform. Competes for the same mass-affluent segment Moffatt targets, but via a fully digital model rather than face-to-face advice.

Broad incumbents

• St. James's Place: Largest UK wealth management and financial advice network with thousands of partner advisers offering holistic financial planning. Comparable in service breadth (pensions, investments, mortgages, protection) but materially larger in scale and tied to in-house products.
• Quilter: UK wealth manager with an adviser network serving mass-affluent and affluent clients across pensions, investments, and protection. Comparable product breadth but operates as a national platform rather than a single regional practice.
• Brewin Dolphin: UK wealth manager providing discretionary investment management and financial planning to private clients. Overlaps with Moffatt's holistic advisory proposition at a substantially larger national scale.
• Openwork Partnership: UK advice and mortgage network supporting thousands of advisers delivering financial planning and protection. Comparable product set and customer segment, but operates as a network rather than a directly-employed adviser firm.
• Rathbones Group: UK-listed wealth manager with a long heritage offering investment management and financial planning. Overlaps with Moffatt's independent advisory and investment services for high-net-worth and mass-affluent clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MFPLtd/?fref=ts
• LinkedInlinkedin.com/company/moffatt-financial-planning-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Moffat Mortgages Ltd.