THE SURREY MORTGAGE COMPANY LIMITED

What THE SURREY MORTGAGE COMPANY LIMITED does

The Surrey Mortgage Company Limited is a privately held, FCA-regulated UK mortgage brokerage registered in England & Wales (Company No. 12251479). Operating as an appointed representative of Sesame Ltd, the firm delivers mortgage advice through CeMAP-qualified advisors, led by founder and director Charlotte Skinner, alongside mortgage broker and protection specialist Harry Emblen. Its services span first-time buyer, moving home, remortgage, and buy-to-let mortgage advice, with complementary offerings in Protection Insurance, general Insurance Services, Bridging Loans, Equity Release, and Wills and Estate Planning.

The business is service-led rather than technology-led; there is no proprietary platform, app, or API in evidence, and the firm self-describes its technology as "Not applicable - Mortgage brokerage services rather than technology platform." Distribution is conducted through a sales-led, direct customer-engagement model: phone, email, WhatsApp, and in-person consultations at its Surrey office (with an additional Ashtead address on the website), supported by a website and a VouchedFor review profile where Charlotte Skinner holds Top Rated badges.

Revenue is generated on a commission-based transaction-fee model tied to mortgage placements and protection/insurance cross-sell, with no publicly disclosed pricing or transaction volumes. The firm's stated go-to-market is local expertise in Surrey and Oxford, serving individual UK consumers across the full mortgage life cycle. Strategic and operational data — including headcount, revenue, funding, and transaction volumes — are not publicly disclosed.

Name

THE SURREY MORTGAGE COMPANY LIMITED

Legal name

The Surrey Mortgage Company Limited

Website

https://thesurreymortgagecompany.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

The Surrey Mortgage Company Limited is a privately held, FCA-regulated UK mortgage brokerage serving individual consumers across Surrey, Oxford and the wider UK. It offers mortgage advice plus protection, insurance, equity release, bridging, and wills services on a commission-based model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

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

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAEAA

Residential Mortgage Brokerage (Purchase & Refinance)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAEAAAG

Estate & Legacy Planning Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Mortgage brokerage
• Mortgage advisory
• Protection insurance
• Remortgage services
• Buy to let mortgages

Headquarters

HQ city

Ashtead

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Brokering: Commission-based mortgage brokering services assisting customers with mortgage products including first time buyer mortgages, remortgages, buy to let, and bridging loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

The Surrey Mortgage Company is a UK mortgage brokerage that advises individual consumers on residential and buy-to-let mortgages (first-time buyer, moving home, remortgage, buy-to-let), complemented by protection insurance, general insurance, bridging loans, equity release, and wills and estate planning. Services are delivered by CeMAP-qualified local advisors in Surrey and Oxford, with the firm operating as an appointed representative of Sesame Ltd under FCA regulation.

Product overview

The Surrey Mortgage Company is a financial advisory firm operating as a single-location brokerage rather than a multi-module platform. The core offering centers on mortgage advisory services, supported by complementary protection and insurance products. The product portfolio includes: Mortgages (the primary service), Protection Insurance, Insurance Services, Bridging Loans, Equity Release, and Wills and Estate Planning. All services are delivered through certified mortgage brokers based in Surrey & Oxford, with specialized advisors providing local advice across the UK.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages Mortgage advisory service covering first-time buyer, moving home, remortgage, and buy-to-let products, providing tailored mortgage solutions to UK consumers based locally in Surrey and Oxford.
• Protection Insurance Protection insurance advisory covering mortgage protection, life insurance, critical illness cover, and income protection to safeguard mortgage holders and their families.
• Insurance Services General insurance advisory covering buildings & contents, private medical insurance, business protection, and redundancy protection for homeowners and small businesses.
• Bridging Loans Short-term finance solutions for property transactions requiring quick financing before long-term funding is arranged (note: FCA does not regulate some forms of bridging loans).
• Equity Release Financial products allowing homeowners to release equity from their property while retaining ownership, for retirement funding or other uses.
• Wills and Estate Planning Legal document preparation and estate planning services to ensure proper distribution of assets and protect family wealth.

Quantifiable outcome

• Expert mortgage advice and protection solutions delivered by CeMAP qualified advisors

Segments9 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Sesame LtdcoreStrategic or Co-development PartnerThe Surrey Mortgage Company Ltd is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority. Sesame provides the regulatory framework and oversight for their mortgage advisory services.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• London & Country Mortgages (L&C): One of the UK's longest-established mortgage brokers, providing whole-of-market mortgage and protection advice nationwide. Directly comparable to The Surrey Mortgage Company in core service offering (residential and BTL mortgage broking) and commission-based model.
• Mortgage Advice Bureau: Large UK mortgage broker network offering advice on residential, buy-to-let, and protection products via local adviser offices across the country — same product mix, same regulator, and a directly comparable local-adviser distribution model to The Surrey Mortgage Company.
• John Charcol: Long-established London-focused UK mortgage broker offering residential, buy-to-let, and specialist mortgage advice with similar FCA-regulated adviser-led service. Comparable in product breadth and target customer to The Surrey Mortgage Company.

Broad incumbents

• Connells Group: Large UK estate agency and mortgage services group providing mortgage advice through branch networks alongside sales and lettings. Comparable as a broad incumbent offering mortgage broking as part of a wider real-estate services portfolio.
• MoneySupermarket Group: Leading UK price-comparison platform offering mortgage comparison alongside insurance and other financial products. Indirectly competes with The Surrey Mortgage Company by enabling consumers to compare mortgage products without using an adviser.
• Skipton Building Society: Large UK mutual lender offering direct residential and buy-to-let mortgages as well as savings products. Competes with The Surrey Mortgage Company for mortgage customers but as a direct funder rather than a broker intermediary.

Emerging players

• Trussle: UK online mortgage broker using digital tools to recommend and arrange residential mortgages. Competes for similar first-time-buyer and remortgage customers as The Surrey Mortgage Company but with a fundamentally different delivery model (fully online vs. local adviser).
• Better.co.uk: Online UK mortgage broker providing whole-of-market advice through a digital platform. Overlaps with The Surrey Mortgage Company in residential and BTL mortgage brokerage, but serves customers nationally through a tech-led funnel rather than local face-to-face advice.
• Habito: Digital-first UK mortgage broker using online tools and salaried advisers to deliver whole-of-market mortgage advice. Competes with The Surrey Mortgage Company for the same first-time-buyer and mover segments, but via a tech-led rather than local-adviser model.

Others

• Sesame Ltd: UK mortgage network and appointed-representative principal that provides the regulatory umbrella under which The Surrey Mortgage Company operates. Not a direct competitor — it is the firm's regulator and infrastructure partner — but materially related as the enabling principal.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 THE SURREY MORTGAGE COMPANY LIMITED