SOPER & CO MORTGAGE BROKERS LTD

What SOPER & CO MORTGAGE BROKERS LTD does

SOPER & CO MORTGAGE BROKERS LTD is a UK-incorporated (Company Number 14618625, registered in England & Wales) family-run mortgage brokerage headquartered at 1 Crow Lane, Salisbury, Wilton, SP2 0HB. The firm is operated by two individuals, Chawley Soper as Mortgage Broker (10+ years of advisory experience, with prior tenures at corporate and independent brokerages) and Naomi Soper as Mortgage Administrator, handling lender liaison and case progression. The company operates under FCA authorization via an Appointed Representative relationship with Stonebridge Mortgage Solutions Ltd (Firm Reference Number 991656), which provides the regulatory umbrella for its advice activities.

The core offering is a whole-of-market mortgage advisory service covering first-time buyer, moving-home, remortgaging, buy-to-let, bridging loan, and commercial mortgage use cases, with explicit specialism in complex segments including self-employed, contractor, and adverse-credit borrowers (CCJ, IVA, bankruptcy). A complementary suite of personal insurance lines, including buildings, contents, life, critical illness, income protection, and private medical insurance, sits alongside mortgage advice as cross-sell add-ons. There is no proprietary technology platform; the business is fundamentally advice-led, delivered via phone, video conference, and face-to-face appointments, with evening and weekend availability and an explicitly fee-free customer proposition that distinguishes it from brokers levying fees on top of lender commissions.

Revenue is generated entirely through commissions paid by lenders upon successful mortgage completion (and, by extension, insurance provider commissions on protection cases). Customer acquisition runs primarily through organic website traffic, direct phone/email enquiry, and word-of-mouth referrals; no paid advertising, social media presence, or formal referral partnerships are disclosed. The firm is bootstrapped with no institutional investment, no subsidiaries, and no acquisitions, and there is no indication of headcount expansion or geographic extension beyond the UK domestic market.

Name

SOPER & CO MORTGAGE BROKERS LTD

Legal name

Soper & Co Mortgage Brokers Ltd

Website

https://soperandco.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Soper & Co Mortgage Brokers Ltd is a family-run, UK FCA-authorized (via Stonebridge) mortgage brokerage in Salisbury offering fee-free, whole-of-market advice across residential, buy-to-let, bridging, and commercial mortgages, plus personal insurance, for individual and small-property-investor clients.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Insurance Agencies and Brokerages (524210)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Commercial & Multifamily Mortgage Brokers (FSALABAB), Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE)

Keywords

• Mortgage brokerage
• Mortgage advice
• Remortgaging services
• Buy-to-let mortgages
• Personal insurance advice

Headquarters

HQ city

Salisbury

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: Soper & Co receives commission payments directly from lenders upon successful completion of mortgage applications. This commission is paid by the lender, not the customer. The company explicitly states it does not charge customers any fees for telephone calls, meetings, or advice, differentiating itself from brokers who add additional charges on top of lender commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Soper & Co provides whole-of-market mortgage brokerage and personal insurance advisory services for individual consumers in the UK. The firm arranges residential mortgages (first-time buyer, moving home, remortgage, buy-to-let, bridging, and commercial) and complementary personal insurance products (buildings, contents, life, critical illness, income protection, and private medical), delivered through phone, video conference, and face-to-face consultations.

Product overview

Soper & Co is a family-run mortgage brokerage offering a whole-of-market mortgage advice service. The core offering comprises mortgage advisory services including first-time buyer advice, moving home, remortgaging, buy-to-let, bridging loans, and commercial mortgages. The company also provides a complementary suite of insurance products including buildings, contents, life, critical illness, income protection, and private medical insurance. All mortgage services are fee-free, with brokers paid commission by the lender upon mortgage completion.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgage Advice Jargon-free mortgage advisory service guiding first-time buyers through the entire home-buying process, from initial explanation of options to completion.
• Moving Home Mortgage Service Mortgage advisory service for homeowners moving to a new property, helping calculate moving costs and establish a new home-buying budget.
• Remortgaging Service Advisory service helping customers switch mortgage products or lenders to obtain a competitive deal when existing deals expire or circumstances change.
• Buy to Let Mortgage Advice Advisory service for property investors seeking mortgages on rental properties, navigating investment-property requirements and rental income considerations.
• Bridging Loans Short-term finance arranged to bridge funding gaps during property transactions.
• Commercial Mortgages Mortgage arrangement service for commercial properties and business premises.
• Buildings Insurance Insurance coverage for buildings and property structures, offered alongside mortgage advice.
• Contents Insurance Insurance coverage for household contents and personal belongings, offered alongside mortgage advice.
• Life Insurance Life insurance coverage designed to protect dependants and outstanding mortgage commitments.
• Critical Illness Insurance Insurance providing financial protection in the event of a critical illness diagnosis.
• Income Protection Insurance Insurance providing coverage for loss of income resulting from illness or injury.
• Private Medical Insurance Private healthcare insurance coverage for medical treatment.

Segments6 records

Ideal customer profiles5 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.

• Stonebridge Mortgage Solutions LtdcoreStrategic or Co-development PartnerSoper & Co operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Soper & Co is entered on the Financial Services Register under firm reference number 991656. Stonebridge provides the regulatory authorisation and oversight that enables Soper & Co to operate as a mortgage broker in the UK.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Better.co.uk: Fee-free online UK mortgage broker providing whole-of-market mortgage advice, particularly for first-time buyers and remortgagers. Competes for the same value-conscious residential borrowers as Soper & Co.
• John Charcol: Specialist UK mortgage broker focused on complex cases including self-employed, contractor and adverse credit borrowers. Overlaps with Soper & Co's Complex Credit and Self-Employed customer segments.
• Trussle: Online UK mortgage broker offering whole-of-market comparison for purchase and remortgage with no fees to the customer. Direct competitor targeting the same retail customers as Soper & Co via a digital, automated workflow.
• Habito: UK digital-first mortgage broker offering whole-of-market comparison and online advice for purchase, remortgage and buy-to-let. Overlaps directly with Soper & Co on customer segments and value proposition but competes via proprietary technology.
• Alexander Hall: Long-established London-based fee-free mortgage broker offering whole-of-market residential and buy-to-let advice. Comparable whole-of-market, fee-free proposition targeting similar customer segments to Soper & Co.
• Mortgage Advice Bureau: UK-wide network of mortgage advisers providing whole-of-market mortgage and protection advice. Highly comparable business model and customer base to a fee-free adviser like Soper & Co, although operating at much larger scale via an AR-type network.
• SPF Private Clients: UK whole-of-market mortgage broker covering residential, buy-to-let, bridging and commercial cases. Closely comparable service mix to Soper & Co, especially on bridging and commercial mortgage products.
• Ocean Finance: UK mortgage broker offering residential, remortgage, buy-to-let and specialist lending advice. Comparable customer base and whole-of-market service orientation to Soper & Co.
• London & Country Mortgages: One of the UK's largest fee-free, whole-of-market mortgage brokers, serving residential and buy-to-let borrowers via phone and online advice. Direct competitor for the same first-time buyer, mover, remortgage and buy-to-let customers that Soper & Co targets.

Others

• Stonebridge Mortgage Solutions Ltd: FCA-authorised network/principal under which Soper & Co operates as an Appointed Representative. Not a direct competitor; the regulatory infrastructure counterparty that enables Soper & Co's brokerage activity and a useful benchmark for AR-network economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/soper-co-mortgage-brokers

Compliance1 record

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 SOPER & CO MORTGAGE BROKERS LTD