Name

SILVER BIRCH FINANCIAL SERVICES LTD

Legal name

Silver Birch Financial Services Ltd

Website

https://silverbirchfinancial.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Derby

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. Mortgage Advisory Services: The company provides mortgage advice and application services. Initial consultation is free with no fee charged until terms of business are provided. They research and recommend mortgage products from their lender panel based on individual circumstances.
2. Insurance & Protection Advisory: Provides insurance and protection product recommendations including home insurance, mortgage protection, life insurance, critical illness cover, income protection, and business insurance. Their protection advice is described as free.
3. Commission from Lenders and Insurers: As a mortgage broker operating under TMG Mortgage Network, the company likely earns commission from lenders and insurance providers whose products they recommend, in addition to any direct fees charged to clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Silver Birch Financial Services is an FCA-authorised independent mortgage and insurance brokerage offering mortgage advice across residential, buy-to-let, remortgage, specialist, and complex-income scenarios, alongside a complementary range of protection and insurance products including home, life, critical illness, income protection, and business cover. The firm guides individual clients from initial consultation through application to completion, with specialist cases (e.g., second charges, bridging finance) referred through the TMG Mortgage Network.

Product overview

Silver Birch Financial Services Ltd is a mortgage intermediary and insurance brokerage offering a unified advisory service centred on residential and buy-to-let mortgages and protection products. The core product is mortgage advisory services, which encompasses multiple sub-products spanning mortgage types (Residential & Buy-to-Let Mortgages, Later Life & Retirement Interest Only Mortgages, Poor Credit Mortgages, Expat Mortgages, Shared Ownership, Self-Employed Mortgages, and others) and a complementary insurance product range covering Home & Property Insurance, Life Insurance, Critical Illness Cover, Income Protection, Family Income Benefit, Accident & Sickness, Business Insurance, Key Person Cover, and Private Medical Insurance. The company is authorised and regulated by the Financial Conduct Authority (FCA) and operates as part of the TMG Mortgage Network. A free protection advice service is provided alongside mortgage services, with some specialist mortgage products (Second Charges, Bridging Finance) referred to TMG Mortgage Network representatives.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential & Buy-to-Let Mortgages
• Home & Property Insurance
• Mortgage Protection
• Life Insurance
• Critical Illness Cover
• Income Protection
• Family Income Benefit
• Accident & Sickness Policies
• Business Insurance
• Key Person Cover
• Private Medical Insurance
• Self-Employed & Complex Income Mortgages
• Poor Credit Mortgages
• Later Life & Retirement Interest Only Mortgages
• Low or No Deposit Mortgages
• Guarantor & Joint Borrower Mortgages
• Shared Ownership Mortgages
• Help to Buy Exit Advice
• Expat & Foreign National Mortgages

Quantifiable outcome

• Most mortgage offers processed in under 2 weeks

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• TMG Mortgage NetworkcoreChannel Partner/ Reseller/ DistributorSilver Birch operates as an authorised representative under TMG Mortgage Network, which is regulated by the FCA (Firm Reference No: 786245). This partnership provides access to a panel of lenders and insurers for mortgage and protection products. Complex cases may be referred to TMG's trusted authorised representatives.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• SPF Private Clients: UK mortgage broker specialising in complex and high-net-worth cases, including adverse credit, expat and large loans. Directly overlaps with Silver Birch's specialist complex-case proposition.
• Anderson-Harris: Independent UK mortgage and insurance broker offering whole-of-market advice, with strong specialism in complex cases. Closely mirrors Silver Birch's combined mortgage + protection advisory model.
• John Charcol: Specialist UK mortgage broker focused on complex cases (self-employed, adverse credit, contractors, expats), overlapping directly with Silver Birch's niche in non-standard affordability.
• London & Country Mortgages (L&C): Largest fee-free mortgage broker in the UK, offering whole-of-market residential and buy-to-let advice. Directly comparable consumer-facing mortgage advisory business model, though operating at national scale rather than regional.
• Trinity Financial: Independent UK mortgage broker arranging whole-of-market residential, buy-to-let and specialist lending. Same intermediary model serving individual borrowers, with broader geographic reach.

Broad incumbents

• Mortgage Advice Bureau: UK-listed mortgage and protection advisory network with a large national adviser base. Closely comparable business model of intermediated mortgage and protection advice; broader in scale and footprint than Silver Birch.
• Openwork: Large UK financial advice network providing mortgage and protection advice through appointed representatives. Comparable intermediary model to Silver Birch's TMG-affiliated authorised-representative structure.
• PRIMIS Mortgage Network: UK mortgage network supporting appointed representatives with lender panel access and compliance support. Directly comparable intermediary infrastructure to TMG Mortgage Network.

Emerging players

• Mojo Mortgages: Online UK mortgage broker offering fee-free advice across a lender panel. Competes for the same first-time buyer and remortgage segments with a digital-led experience.
• Habito: Digital-first UK mortgage broker providing online advice and execution. Comparable consumer-facing mortgage intermediation, differentiated by online delivery model rather than personal advisory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 SILVER BIRCH FINANCIAL SERVICES LTD