THE TOPAZ MORTGAGE COMPANY LIMITED

What THE TOPAZ MORTGAGE COMPANY LIMITED does

The Topaz Mortgage Company Limited is a privately held UK mortgage advisory firm founded in 2003, registered in England and Wales (company number 12646974), with a head office in Elstree, Hertfordshire and a registered office in Potters Bar. It operates as an appointed representative of HL Partnership Limited, an FCA-authorised and regulated network, and serves UK consumers only. The core product set comprises Residential Mortgages, Buy-to-Let Mortgages (including holiday lets), and Personal Protection (Life Insurance, Critical Illness Cover, Income Protection), supplemented by referral arrangements for conveyancing, wills, and commercial mortgages. There are no patents, proprietary technology platforms, AI/ML capabilities, or mobile applications disclosed; the operating model is a traditional advice-led advisory rather than a technology product.

The firm is led by Managing Director David Golding (industry veteran since 1999) and Director & Practice Manager Bianca Golding, supported by a small in-house team. Revenue is generated entirely through commissions paid by lenders and insurance/product providers — the firm explicitly does not charge a fee for mortgage advice. Client acquisition is direct-to-consumer via the company website, phone, email, and in-person consultations, with the customer base built primarily through client referrals to family and friends. Distribution is UK-domestic, single-country, with no exports and no disclosed institutional investment, funding rounds, or M&A activity.

There is no external venture backing, no subsidiaries, and no headcount disclosures beyond a qualitative description of a 'small and dynamic team.' Operating geographies are restricted to the United Kingdom, regulatory cover is provided by HL Partnership Limited, and the marketing mix relies on content (newsletters, educational guides, testimonials) plus referral-driven demand rather than paid acquisition.

Name

THE TOPAZ MORTGAGE COMPANY LIMITED

Legal name

The Topaz Mortgage Company Limited

Website

https://topazmortgage.co.uk

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

The Topaz Mortgage Company Limited is a UK-based, FCA-regulated (via HL Partnership Limited) mortgage advisory firm serving individual consumers with residential, buy-to-let, and personal protection advice, earning commission from lenders rather than charging client fees.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG)

Keywords

• Mortgage advisory
• Residential mortgages
• Buy-to-let mortgages
• Personal protection advice
• Remortgage services

Headquarters

HQ city

Potters Bar

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage Advisory Services: The company provides mortgage advice without charging a fee to customers. Revenue is generated through commission payments from lenders and insurance providers whose products are recommended to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

The Topaz Mortgage Company Limited is a UK-based mortgage advisory firm that arranges residential mortgages, buy-to-let mortgages (including holiday lets), and personal protection products (life insurance, critical illness cover, income protection) for individual consumers. Operating as an appointed representative of HL Partnership Limited, the firm is authorised and regulated by the Financial Conduct Authority and does not charge a fee for mortgage advice, instead earning commission from lenders and protection providers whose products are recommended to clients.

Product overview

The Topaz Mortgage Company Limited is a mortgage advisory firm offering a focused portfolio of mortgage and protection products. The core offering consists of Residential Mortgages and Buy-to-Let Mortgages (including holiday lets), supported by Personal Protection products covering Life Insurance, Critical Illness Cover, and Income Protection. The firm also provides referral services for related services including conveyancing, wills, and commercial mortgages. As an appointed representative of HL Partnership Limited, the company is authorised and regulated by the Financial Conduct Authority (FCA). The firm does not charge a fee for mortgage advice and emphasizes a client-focused, relationship-driven approach built on referrals from existing clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Long-term loans arranged between borrowers and lenders, secured against the property in which the borrower intends to live, advised to UK consumers such as first-time buyers, those moving home, and those seeking to remortgage.
• Buy-to-Let Mortgages Mortgage advice for individuals or companies wishing to purchase property as an investment and rent it out, including holiday let properties, for property investors and portfolio builders. Note: The FCA does not regulate some forms of Buy to Lets.
• Personal Protection Advice on Life Insurance, Critical Illness Cover and Income Protection products to ensure clients can remain in their home or maintain living standards should circumstances change.
• Conveyancing Referral

Named customers1 record

Segments3 records

Ideal customer profiles3 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.

• HL Partnership LimitedcoreOthersHL Partnership Limited is the parent company of which The Topaz Mortgage Company Limited is an appointed representative. HL Partnership Limited is authorised and regulated by the Financial Conduct Authority (FCA). Both companies process customer data, with HL Partnership monitoring and assessing Topaz's work to ensure regulatory compliance and quality standards.

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Direct peers

• Haysto: UK mortgage broker specialising in helping self-employed, complex-income, and credit-impaired borrowers obtain residential and buy-to-let mortgages. Comparable to Topaz on complex-case underwriting access, though Haysto is digital-led.
• Habito: UK digital-first mortgage broker and advisory platform covering purchase, remortgage, and buy-to-let. Comparable to Topaz as a residential mortgage broker, but competing via a technology-led, online customer experience rather than face-to-face advice.
• Trussle: Online UK mortgage broker focused on remortgages and home purchases with a digital advice journey. Comparable to Topaz on residential mortgage intermediation but differentiated by an automated, online-first delivery model.
• SPF Private Clients: UK whole-of-market mortgage broker offering residential, buy-to-let, and high-net-worth mortgage advice. Directly comparable to Topaz in product scope and advice-led model, with overlap in the London/Hertfordshire catchment.
• John Charcol: Long-established UK independent mortgage broker offering residential, buy-to-let, and specialist mortgage advice. Directly comparable to Topaz in business model, fee structure options, and focus on whole-of-market advice.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering fee-free or fee-based advice across residential, buy-to-let, and remortgage products. Directly comparable to Topaz in business model and product scope, but at much greater scale and with a national digital footprint.
• Alexander Hall: Independent London-based mortgage broker offering residential and buy-to-let advice with a fee-based model. Comparable product mix and advisory positioning to Topaz, with overlap in the Greater London commuter-belt market.

Broad incumbents

• Mortgage Advice Bureau: Large UK mortgage and protection advice network operating through many appointed representatives and directly authorised advisers. Directly comparable product set (residential, BTL, protection), but at national scale and as a franchised/network model rather than a single local firm.

Emerging players

• Better.co.uk: Digital-first UK mortgage broker offering online residential mortgage advice and execution. Comparable to Topaz in residential intermediation, but targeting a more digitally-engaged buyer profile.

Others

• PRIMIS Mortgage Network: UK mortgage club and appointed representative network providing lender access, compliance, and infrastructure to member brokers. Comparable to Topaz's relationship with HL Partnership Limited as an AR/principal network, though operating at far larger network scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/the-topaz-mortgage-company-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 TOPAZ MORTGAGE COMPANY LIMITED