VERIFI MORTGAGES LTD

What VERIFI MORTGAGES LTD does

Verifi Mortgages Ltd is a UK FCA-regulated mortgage broker operating as an Appointed Representative of Cornerstone Finance Group Ltd. Incorporated in 2023 and headquartered in Southend-on-Sea, the firm provides whole-of-market residential and buy-to-let mortgage brokerage services to UK consumers, including first-time buyers, remortgagors, self-employed borrowers, and customers with adverse credit histories. The firm is led by founder Jason Foord, a CeMAP-qualified mortgage professional, and holds a 4.7/5 Trustpilot rating based on accumulated customer reviews.

The company's core product is its mortgage broker service, which delivers access to a panel of 100+ UK lenders (sometimes cited as 115+) for whole-of-market rate comparison and advice. In March 2026, Verifi launched Theo (also branded RateDrop), a predictive analytics platform that delivers mortgage rate alerts to borrowers. The platform had reached 500+ users at an early operational stage. The firm has also extended into general insurance products (home, life, critical illness), broadening its commission revenue streams beyond pure mortgage origination.

Verifi operates on a commission-based model typical of UK mortgage brokers, earning procuration fees from lenders on completed mortgage cases. As an Appointed Representative, the firm is regulated indirectly through Cornerstone Finance Group's FCA authorization rather than holding a standalone principal licence. The company is structured as a private limited company (Company No. 14595405), is founder-led, and has not disclosed any external venture or growth funding.

Name

VERIFI MORTGAGES LTD

Legal name

VERIFI MORTGAGES LTD

Website

https://verifimortgages.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

UK FCA-regulated mortgage broker providing whole-of-market residential, buy-to-let, and specialist mortgage advice to UK consumers, supplemented by general insurance products and a predictive mortgage rate-alert platform called Theo.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Hard Money / Private Mortgage Brokers (FSALABAH)

akta.pro secondary industry

Mortgage Secondary Data, Analytics & Pricing/Valuation Services (FSALAFAN)

Keywords

• Mortgage brokerage
• Residential mortgage advice
• Buy-to-let lending
• Bad credit mortgages
• Remortgage advisory

Headquarters

HQ city

Southend-on-sea

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. Broker Commission from Lenders: Verifi Mortgages earns commission from lenders when customers complete mortgage applications through their brokerage. This is the primary revenue stream for mortgage brokers in the UK.
2. Adviser Fee for Complex Cases: For certain mortgage products and complex cases, Verifi Mortgages may charge advisory fees. The company states that initial consultations are typically free, with full fee transparency before proceeding.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Verifi Mortgages is an FCA-regulated UK mortgage broker operating as an Appointed Representative of Cornerstone Finance Group Ltd, providing whole-of-market access to 100+ UK lenders for residential purchases, remortgages, buy-to-let, and bad credit cases. The firm delivers CeMAP-qualified mortgage advice, soft-search eligibility checks, true-cost mortgage comparisons, and end-to-end application handling. It also offers a proprietary Theo/RateDrop mortgage intelligence platform that monitors UK mortgage rates and sends AI-driven rate alerts.

Product overview

Verifi Mortgages Ltd operates as an FCA-regulated mortgage broker (Appointed Representative of Cornerstone Finance Group Ltd) offering access to 100+ UK lenders including high-street banks, building societies, and specialist brokers. The core offering is the Verifi Mortgages Broker Service, which provides mortgage advice and brokering for residential purchases, remortgages, buy-to-let, and bad credit scenarios. This is complemented by the Theo Mortgage Intelligence Platform (launched March 2026) featuring RateDrop Alerts - an AI-powered mortgage rate monitoring and alert system that uses predictive analytics and machine learning to track the UK mortgage market and notify users when better deals become available. Additional supporting tools include mortgage calculators, the Mortgage Advice Hub educational resource, Mortgage in Principle pre-approval service, and Mortgage Rates Tracker - all designed to support the core brokering service with borrower education and decision support.

Differentiator

Problem solved

Functional benefit

Products and services

• Verifi Mortgages Broker Service FCA-regulated UK mortgage brokerage providing access to 100+ lenders including high-street banks, building societies, and specialist lenders for purchases, remortgages, buy-to-let, and adverse credit cases. Delivers CeMAP-qualified mortgage advice, soft-search eligibility checks, true-cost comparisons, and end-to-end application handling for UK consumers.
• Theo Mortgage Intelligence Platform Standalone mortgage intelligence platform monitoring rates from 100+ UK lenders, providing automated rate alerts when deals fall below user-defined thresholds, market forecasting powered by machine learning, and portfolio monitoring across multiple properties. Built by Verifi Mortgages for UK consumers.
• RateDrop Mortgage Rate Alerts AI-powered alert engine tracking UK mortgage market rates and sending notifications when better deals become available based on user-defined rate thresholds, mortgage type, and financial goals. Includes machine learning-powered rate predictions and market timing insights.
• Life Insurance Advisory Service Protection and life insurance advisory service offered alongside mortgage advice to provide UK consumers with mortgage and family protection coverage.

Quantifiable outcome

• Most clients receive mortgage offers within 2-4 weeks after application
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature3 records

Partnerships

One partnership is on record.

• Cornerstone Finance Group LtdcoreStrategic or Co-development PartnerCornerstone Finance Group Ltd is the Principal Firm that authorises and regulates Verifi Mortgages as an Appointed Representative. Verifi operates under Cornerstone's FCA authorisation (FRN 767202) and is entered on the Financial Services Register as FRN 997175.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Habito: Digital-first UK mortgage broker offering whole-of-market access, soft-search eligibility, and online advice. Closely comparable to Verifi on regulated advice, lender panel breadth, and digital acquisition model.
• Alexander Hall: UK mortgage broker offering whole-of-market advice across purchase, remortgage, and BTL. Comparable on fee-transparent broker service and direct digital-plus-adviser sales model.
• Simply Adverse: UK specialist mortgage broker focused on adverse credit, CCJs, defaults, and complex cases. Closely comparable to Verifi on the bad-credit and specialist-lender niche.
• Better.co.uk (formerly Trussle): Online UK mortgage broker using technology to match borrowers with lenders and handle applications digitally. Comparable to Verifi on digital-first advice, automated lender matching, and consumer UX.
• London & Country Mortgages (L&C): One of the largest UK mortgage brokers, offering whole-of-market access and fee-free advice across residential, BTL, and remortgage products. Comparable on broker-led distribution and lender panel coverage.
• Mojo Mortgages: UK online mortgage broker offering whole-of-market access, comparison tools, and broker-led advice. Directly comparable on multi-lender panel, consumer-facing content marketing, and online-plus-telephone advice model.
• John Charcol: Long-established UK mortgage broker covering residential, BTL, and complex cases. Comparable on broker-led advice, lender panel access, and expertise in non-standard borrower situations.

Others

• Rightmove: UK's largest property portal, increasingly offering mortgage comparison and broker referral products. Comparable as an ecosystem participant that competes for the same top-of-funnel property-seeking audience Verifi targets.

Emerging players

• Mortgage Gym: UK technology-led mortgage intermediary with AI-driven advice and lender matching. Comparable to Verifi on combining digital tools with regulated broker advice and lender panel access.

Broad incumbents

• HSBC UK: Major UK high-street mortgage lender with direct-to-consumer distribution. Comparable as a broad incumbent that overlaps with Verifi on mortgage origination but bypasses the broker channel.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/verifi.mortgages
• LinkedInlinkedin.com/company/prime-mortgage-solutions

Compliance2 records

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 VERIFI MORTGAGES LTD