CCC Mortgages

What CCC Mortgages does

CCC Mortgages is a UK mortgage brokerage and protection advisory firm operating as a trading name of CC Callaway Mortgages Limited, a private limited company domiciled in England. The firm is led by director Charlotte Callaway from its registered office at 8 Neath Road, Plymouth, and is an appointed representative of Sesame Ltd under FCA Number 967343. It serves UK consumers seeking residential mortgages, remortgages, buy-to-let finance, protection products (life insurance, income protection, critical illness, business cover) and specialist lending solutions for adverse credit, complex income, portfolio landlords and bridging loans.

The firm operates a personal, consultative sales model. Customers initiate contact via phone (01752 936546), WhatsApp (+44 7872 924051) or a website callback form, receive a free 15–20 minute initial consultation, and are then matched to products across a panel of over 110 lenders and hundreds of mortgage and insurance products. No proprietary technology platform, AI/ML capability or app is disclosed; the underlying 'technology' is the lender panel, FCA-regulated intermediary status and the director's 13 years of industry experience supported by a team with over 50 years of combined mortgage and protection expertise. Marketing is driven by Google reviews (100% 5-star), word-of-mouth referrals, a recently rebuilt website (October 2025) and Charlotte Callaway's LinkedIn presence.

Revenue is generated entirely through commissions and transaction fees from lenders and insurance providers when customers complete placements, with three streams: mortgage brokerage commissions, protection/insurance commissions and specialist lending fees. There is no public listing, no disclosed institutional funding, no subsidiaries, and no enterprise clients; the firm is founder-led, privately held and serves individual consumers across the UK on a transaction-fee basis.

Name

CCC Mortgages

Legal name

CC Callaway Mortgages Limited

Website

https://cccmortgages.co.uk

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

CCC Mortgages is a UK mortgage brokerage and protection advisory firm, led by director Charlotte Callaway from Plymouth, serving individual consumers across the UK with access to over 110 lenders for residential, remortgage, buy-to-let and specialist lending cases.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

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

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Residential mortgages
• Remortgage advisory
• Buy-to-let lending
• Protection insurance

Headquarters

HQ city

Plymouth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage brokerage commissions: Earn commissions from lenders when customers secure mortgage products through CCC Mortgages. As an appointed representative of Sesame Ltd (FCA regulated), they facilitate mortgage placements and earn revenue from lender commissions.
2. Protection/insurance product commissions: Earns commissions from insurance providers (life insurance, income protection, critical illness, business cover) when customers purchase protection products through their advisory service.
3. Specialist lending fees: Handles complex cases including adverse credit, complex income situations, portfolio landlords, and bridging loans, earning fees from specialist lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

CCC Mortgages is a UK mortgage brokerage that matches individual customers with mortgage, remortgage, buy-to-let, protection, and specialist lending products by accessing over 110 lenders and hundreds of products. Operating as an appointed representative of Sesame Ltd (FCA-regulated), the firm provides consultative advice and end-to-end mortgage placement for first-time buyers, home movers, remortgage customers, property investors, and clients with complex financial situations across the UK.

Product overview

CCC Mortgages is a mortgage broker offering a unified service across four core products: Mortgages, Remortgages, Protection, and Specialist Lending. The company operates as a broker accessing over 110 lenders and hundreds of products to match clients with suitable mortgage and protection solutions. Services range from first-time buyer support through to complex cases involving adverse credit or portfolio landlord needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages

Named customers3 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

Partnerships

Five partnerships are on record, tiered core and minor.

• Sesame LtdcoreChannel Partner/ Reseller/ DistributorCCC Mortgages is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 967343). Sesame Ltd provides regulatory oversight and allows CCC Mortgages to offer regulated mortgage and protection products.
• 110+ Lender Network (including HSBC, Scottish Widows, Aldermore, Nottingham, Guardian, Perenna, and others)coreChannel Partner/ Reseller/ DistributorCCC Mortgages works with over 110 lenders and hundreds of mortgage/insurance products including major banks (HSBC), insurers (Scottish Widows, Vitality, The Exeter), and specialist lenders (Aldermore, Fleet, Kensington, Perenna, Nottingham, Guardian, Handlesbanken). These partnerships enable access to diverse mortgage products for customers.
• StepChangeminorOthersReferral partner for free debt advice services. CCC Mortgages directs customers experiencing financial difficulty to free impartial money guidance services including StepChange, Citizens Advice, and Turn2Us.
• Citizens AdviceminorOthersReferral partner for free debt advice services. Included in resources for customers experiencing financial difficulty alongside StepChange and Turn2Us.
• Turn2UsminorOthersReferral partner for free debt advice services. Part of financial difficulty signposting resources for customers alongside StepChange and Citizens Advice.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Quilter Financial Planning: Large UK wealth management and financial advisory group with mortgage and protection advice capability. Represents the broader incumbent financial advisory space where mortgage advice is bundled with wealth, retirement, and protection planning.
• Sesame Ltd: FCA-regulated mortgage and insurance network (parent of CCC Mortgages' regulatory principal). Operates a wide appointed-representative network, providing regulatory infrastructure, lender panels, and compliance services to hundreds of AR firms including CCC Mortgages.

Regional players

• The Mortgage Hut: Mid-sized UK online and telephone mortgage broker offering whole-of-market residential, remortgage, and specialist lending. Comparable product set and customer base to CCC Mortgages, with a similar consultative but slightly more digitized delivery model.

Direct peers

• Habito: Digital-first UK mortgage broker (now part of HSBC) using technology to match borrowers to lenders. Same intermediation function as CCC Mortgages, but competing via a tech-led, low-touch proposition — represents the digital disruption threat to traditional advisory brokers.
• London & Country Mortgages (L&C): Large UK mortgage broker offering whole-of-market access to advisers and direct customers. Same mortgage intermediation model and lender-panel approach as CCC Mortgages, with comparable residential, remortgage, and BTL focus, but at significantly greater scale.
• Mortgage Advice Bureau: UK's largest publicly listed mortgage broker network, with thousands of advisers arranging mortgages across a wide lender panel. Directly comparable business model — fee/commission-based mortgage intermediary — but at vastly greater scale and with a network/AR structure similar in regulatory posture to CCC Mortgages via Sesame.
• Alexander Hall: UK fee-based mortgage broker with a large adviser team offering whole-of-market access. Same residential, BTL, and remortgage product set as CCC Mortgages, with comparable fee/commission revenue model.
• Haysto: UK specialist mortgage broker focused on self-employed, bad credit, and complex-income borrowers. The closest direct competitor to CCC Mortgages' specialist lending segment, using a tech-enabled advisor model.
• John Charcol: Long-established London-based UK mortgage broker specializing in complex cases including adverse credit, self-employed, and high-value loans. Directly comparable to CCC Mortgages' specialist lending focus and consultative, advisor-led service model.

Emerging players

• Trussle: Earlier-stage UK digital mortgage broker that pioneered automated lender matching. Comparable intermediation function to CCC Mortgages but differentiated by technology rather than personal service — illustrates the digital-broker emerging-player cohort.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ccc-mortgages
• Facebookfacebook.com/cccmortgages

Compliance1 record

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 CCC Mortgages