What TURTLE MORTGAGES LTD does

Turtle Mortgages Ltd is a privately held UK mortgage and protection broker registered in England and Wales (company number 15804362), headquartered at 1 Allied Business Centre, Coldharbour Lane, Harpenden. The firm offers fee-free whole-of-market mortgage broking across 90+ UK lenders together with related protection advice, targeting first-time buyers, home movers, remortgagors, self-employed applicants, visa holders, and buy-to-let investors. Customers access the service via a WordPress-hosted website where they book a no-obligation telephone or Microsoft Teams consultation through an integrated Calendly scheduler; the firm's CRM is ACRE and automation is handled via Zapier. The business monetises exclusively through transaction-based commission received from mortgage lenders (0.3%-0.5% of mortgage value, the same rate paid to all UK brokers) and from protection product providers once the relevant policy is completed, with no customer-facing fees.

Founded/registered in 2024 with a headcount of 1-10, Turtle Mortgages operates as an Appointed Representative of The Right Mortgage Network Ltd (FCA reference 1017264), under which its regulatory authorisation is held. Marketing channels are entirely digital: an SEO-targeted Knowledge Hub of 40+ educational articles, an online mortgage calculator, organic social on Facebook, X, Instagram and LinkedIn, a newsletter, a TrustPilot review base (rated 'Excellent'), and a refer-a-friend programme paying £100 per successful referral. Distribution relies on direct advisory calls, estate agent introductions, and lead-generation/comparison websites. A WWF partnership supports a monthly sea-turtle adoption prize draw for reviewers, used as a brand and CSR differentiator. The product suite spans standard repayment mortgages (4-4.5x income), a 6x income option via Nationwide, interest-only and shared ownership products, Buy-to-Let (standard, Family BTL, Let-to-Buy), visa holder mortgages, and a protection line including life insurance, critical illness cover, income protection, and family income benefit.

No external investment has been disclosed and there are no parent, subsidiary, funding-round, M&A, or leadership-change records in the source material. The firm appears founder/owner-operated, with a single named advisor ('Liam') featured prominently across customer testimonials. Operating geography is England and Wales (United Kingdom only), with all advisory delivered remotely by telephone or Microsoft Teams from the single Harpenden office.

Name

TURTLE MORTGAGES LTD

Legal name

Turtle Mortgages Ltd

Website

https://turtlemortgages.co.uk

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Turtle Mortgages Ltd is a UK-based fee-free whole-of-market mortgage broker advising first-time buyers, home movers, remortgagors, self-employed applicants, visa holders, and buy-to-let investors across 90+ lenders, with related protection advice, operating from Harpenden.

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

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Fee-free mortgage broker
• Whole-of-market mortgages
• Mortgage advisory services
• Protection insurance advice
• First-time buyer mortgages

Headquarters

HQ city

Harpenden

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Turtle Mortgages earns commission directly from mortgage lenders once a mortgage is approved and signed. This commission is paid by the lender and constitutes the primary revenue stream. The company explicitly states this model means customers pay no fees.
2. Protection Product Commission: The company also earns commission from protection product providers (insurers) when arranging life insurance, critical illness cover, income protection, or family income benefit policies for clients. This is received after the protection product is completed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Turtle Mortgages Ltd is a fee-free, whole-of-market mortgage broker that searches across 90+ UK lenders to find tailored mortgage and protection product solutions for consumers. The company provides one-to-one advice for first-time buyers, home movers, remortgagors, buy-to-let investors, visa holders, and self-employed applicants, arranging life insurance, critical illness cover, income protection, and family income benefit alongside mortgage placements. Customer-facing advice is delivered at no cost, with revenue derived from commissions paid by lenders and protection providers upon completion.

Product overview

Turtle Mortgages Ltd is a fee-free whole-of-market mortgage broker regulated by the FCA, offering personalized mortgage and protection advice across 90+ lenders with no charges to customers. The product portfolio centers on the Fee-Free Mortgage Advice Service as the core offering, supplemented by a Mortgage Calculator tool for affordability estimates. Mortgage products span first-time buyer services (including 6x income mortgages, Deposit Unlock, Dynamic Ownership), standard residential mortgages (up to 4-4.5x income), interest-only and shared ownership options, Buy to Let investments, and visa holder mortgages. Protection products include Life Insurance, Critical Illness Cover, Income Protection, and Family Income Benefit. Additional offerings include a Refer a Friend loyalty scheme (£100 per referral) and Mortgage in Principle certificates for pre-approval.

Differentiator

Problem solved

Functional benefit

Products and services

• Fee-Free Mortgage Advice Service Whole-of-market mortgage brokerage service that searches 90+ UK lenders to find the best mortgage deals for consumers, with no fees charged to customers because the company is remunerated via lender commission.
• First-Time Buyer Mortgage Services Specialised mortgage advisory and arrangement for first-time buyers, including 6x income mortgages (via Nationwide), the Deposit Unlock scheme, and Dynamic Ownership options.
• Home Mover and Remortgage Services Standard repayment mortgage brokerage for residential purchase, remortgage, and product transfer (up to 4–4.5x income), including part-and-part and interest-only options.
• Buy-to-Let Mortgage Services Investment property mortgage brokerage covering standard BTL, BTL remortgage, Family Buy to Let, and Let to Buy arrangements.
• Visa Holder Mortgage Services Mortgage brokerage for non-UK citizens on Skilled Worker, Health and Care Worker, Spouse/Partner, Graduate, Global Talent, and Ancestry visas, matching applicants to lenders who underwrite visa-status, time remaining, income, and deposit.
• Family & Friends Mortgage Support Family-assisted mortgage arrangement service including Income Boost, Deposit Boost, Savings as Security, Joint Borrower Sole Proprietor, and Deposit Loan options.
• Life Insurance Advice Protection product advice and arrangement for life insurance, providing a lump sum to loved ones upon death to cover debts, funeral costs, and long-term financial needs.
• Critical Illness Cover Advice Protection product advice and arrangement for critical illness cover, providing a lump sum upon diagnosis of specified serious illnesses such as cancer, heart attack, or stroke.
• Income Protection Advice Protection product advice and arrangement for income protection, providing ongoing monthly payments replacing a portion of income if unable to work due to illness or injury.
• Family Income Benefit Advice Protection product advice and arrangement for family income benefit, providing regular monthly payments to loved ones upon the policyholder's death.

Quantifiable outcome

• Whole-of-market access to 90+ lenders
• +2 more outcomes

Named customers27 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• The Right Mortgage Network LtdcoreStrategic or Co-development PartnerTurtle Mortgages Ltd is an Appointed Representative of The Right Mortgage Network Ltd, which is authorised and regulated by the FCA (FCA reference 1017264). The Right Mortgage Network acts as the principal firm, with Turtle operating under its regulatory authorisation. The Right Mortgage Network may also handle customer personal data in connection with advice and products arranged through the relationship.
• HalifaxminorOthersHalifax is one of the UK's largest mortgage lenders featured in Turtle Mortgages' 'lender logos' section on the homepage, indicating an active lending relationship. Halifax is part of the Lloyds Banking Group.
• ACRE (CRM)coreTechnology or IntegrationACRE is Turtle Mortgages' customer relationship management (CRM) system, used to manage customer interactions, applications, and ongoing client relationships. ACRE processes customer data on Turtle's behalf under contractual data protection agreements.
• World Wildlife Fund (WWF)minorOthersTurtle Mortgages partners with WWF to adopt a sea turtle in the name of a randomly selected client who has left a review after their mortgage completes. This is part of the company's CSR and environmental giving-back initiative. It is a monthly prize draw rather than a formal commercial partnership.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Better.co.uk: UK fee-free online mortgage broker offering whole-of-market mortgage comparison with human adviser support. Closely comparable to Turtle on pricing model (fee-free, commission-funded), advisor-led sales motion, and UK residential mortgage focus.
• Habito: UK fee-free digital mortgage broker offering whole-of-market advice with an online-led customer journey. Directly comparable to Turtle on the fee-free positioning, whole-of-market access, and target customer (UK homebuyers and remortgagors).
• John Charcol: Long-established UK mortgage broker with whole-of-market access, often targeting first-time buyers, complex cases, and BTL investors. Comparable to Turtle on whole-of-market access and specialisation in non-standard borrower segments.
• London & Country Mortgages (L&C): One of the UK's largest fee-free mortgage brokers, offering whole-of-market advice across 90+ lenders. Comparable to Turtle on fee-free model, lender breadth, and direct-to-consumer distribution, though at materially larger scale.
• Mojo Mortgages: UK fee-free mortgage broker that searches across a broad lender panel with human adviser support. Comparable to Turtle on fee-free positioning, whole-of-market access, and digital-plus-advisor customer journey.
• Trussle: UK online mortgage broker with an automated whole-of-market search and human advisor follow-up. Comparable to Turtle on the digital-first fee-free proposition and whole-of-market coverage, with overlapping target segments of first-time buyers and remortgagors.

Others

• The Right Mortgage Network: The Appointed Representative principal network through which Turtle operates and under whose FCA authorisation it advises. Comparable not as a competitor but as the regulatory infrastructure provider — termination of, or changes to, this relationship is a structural dependency for Turtle.

Emerging players

• Habito One: Habito's specialist mortgage offering for complex cases including self-employed, contractors, and visa holders. Comparable to Turtle on the niche-segment specialisation and UK regulatory authorisation model.
• SPF Private Clients: UK fee-free mortgage broker focused on first-time buyers, movers and remortgagors with human adviser support. Comparable to Turtle on fee-free positioning, residential purchase/refinance focus, and digital-plus-advisor GTM.

Broad incumbents

• Mortgage Advice Bureau (MAB): UK-wide mortgage broker network and listed intermediary with thousands of advisers across branches. Comparable to Turtle in core activity (residential mortgage brokerage) but operates as a much larger franchise/network model rather than a direct-to-consumer brand.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/turtlemortgages
• Facebookfacebook.com/turtlemortgages
• LinkedInlinkedin.com/company/turtlemortgages
• Instagraminstagram.com/turtlemortgages

Revenue estimate

Valuation estimate

Number of profiles

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 TURTLE MORTGAGES LTD