CHRIS HAZELL MORTGAGES LTD

What CHRIS HAZELL MORTGAGES LTD does

Chris Hazell Mortgages Ltd is a privately held, FCA-authorised mortgage brokerage and protection adviser based in Stratford-upon-Avon, Warwickshire, UK. Operating as an appointed representative of Fear Financial Ltd (FCA FRN 1012718), the firm provides residential mortgage advisory across eight product lines — first-time buyers, self-employed, bad credit, military (BFPO), remortgage, buy-to-let, shared ownership, and Cantonese-speaking clients — alongside personal protection (life, income protection, critical illness) and business protection (key person, shareholder, executive income protection). The principal, Chris Hazell, brings nearly a decade of property industry experience, including prior work as an estate agent, and the four-person team includes specialised advisers for military personnel and Cantonese-speaking Hong Kong BNO visa holders.

The firm operates a sales-led, direct-to-consumer model: customers schedule free discovery calls via the website, phone (07715 628 271), or Tawk.to live chat, then advisers handle the full mortgage journey. Revenue is earned through lender commissions on successfully placed mortgage and protection products, a transaction-fee model with no publicly disclosed pricing tiers and no direct customer fees. The go-to-market relies on local SEO, a blog, a community-focused podcast ('Business Talk with Chris Hazell'), Google and VouchedFor reviews (5.0/5.0 each), and word-of-mouth referrals concentrated in the Stratford-upon-Avon, Leamington Spa, and Warwick catchment.

The technology stack is entirely third-party and non-proprietary — Tawk.to, Google Analytics, Google reCAPTCHA, Acast, and CheckMyFile — with no bespoke platform, no mobile app, and no disclosed APIs or AI capabilities. The business is founder-owned, with no institutional funding, no subsidiaries, and no M&A activity; the only structural dependency is the regulatory parent relationship with Fear Financial Ltd and content approval via The Openwork Partnership network.

Name

CHRIS HAZELL MORTGAGES LTD

Legal name

Chris Hazell Mortgages Ltd

Website

https://chrishazellmortgages.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Chris Hazell Mortgages Ltd is a privately held, FCA-authorised mortgage brokerage in Stratford-upon-Avon, UK, serving individual consumers and small property investors across Warwickshire with residential mortgages, specialist lending (self-employed, military, Cantonese-speaking), and personal and business protection products via a commission-based, direct-advisory model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

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

Keywords

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

Headquarters

HQ city

Stratford-upon-Avon

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Mortgage Commission: The firm acts as a mortgage broker and adviser, earning commission from lenders for placing mortgage products. This is the primary revenue stream for the business.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Chris Hazell Mortgages Ltd is a UK-based mortgage broker and protection advisory firm operating as an appointed representative of Fear Financial Ltd (FCA-authorised). The company arranges residential mortgages, buy-to-let mortgages, remortgages, and self-employed mortgages, and provides personal and business protection insurance for individual consumers.

Product overview

Chris Hazell Mortgages is a mortgage broker and financial advisory firm based in Stratford-upon-Avon, Warwickshire. The company operates as an appointed representative of Fear Financial Ltd and offers three core service areas: (1) Mortgages, covering residential products for first-time buyers, self-employed borrowers, remortgages, buy-to-let, shared ownership, military personnel, and Cantonese-speaking clients; (2) Personal Protection, including life insurance, income protection, and critical illness cover; and (3) Business Protection, offering relevant life, key person, shareholder protection, and executive income protection. The company provides advisory services across Stratford-upon-Avon, Leamington Spa, and surrounding Warwickshire areas, with additional support for military personnel and non-English speaking clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Brokerage
• Personal Protection Insurance
• Business Protection Insurance
• No Obligation Initial Consultation

Quantifiable outcome

• Self-employed mortgage application approved in 16 days from initial call

Named customers4 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Fear Financial LtdcoreOthersChris Hazell Mortgages Ltd is an appointed representative of Fear Financial Ltd, which is authorised and regulated by the Financial Conduct Authority under FRN 1012718. Fear Financial Ltd provides the regulatory framework and authorisation for the firm to operate as a mortgage adviser.
• The Openwork PartnershipminorImplementation/ SI/ Consulting PartnerArticles on the website are 'Approved by The Openwork Partnership' - a financial services network that provides compliance and support services to IFAs and mortgage brokers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• London & Country Mortgages (L&C): One of the UK's largest fee-free mortgage brokers, providing whole-of-market mortgage and protection advice. Comparable as a directly competing UK mortgage broker offering similar product categories to consumers.
• John Charcol: Long-established UK mortgage broker specialising in complex borrower cases including self-employed and adverse credit borrowers. Directly comparable given the firm's self-employed and bad-credit mortgage specialisations.
• Alexander Hall: UK mortgage broker offering whole-of-market advice with a focus on first-time buyers, remortgage and buy-to-let. Directly comparable across overlapping product categories and consumer customer segments.
• Habito: UK online mortgage broker offering whole-of-market mortgage advice digitally. Comparable as a directly competing UK mortgage broker, though operating at far larger scale and via a digital-first model rather than local in-person advice.
• Fluent Money: UK specialist mortgage broker focused on adverse credit, self-employed and complex borrower cases. Comparable given the firm's bad-credit and self-employed mortgage specialisations.
• Trussle (Oodle Mortgage Services): UK online mortgage broker offering whole-of-market mortgage advice, now operating as Oodle. Comparable as a directly competing UK mortgage broker targeting consumer borrowers with a hybrid digital/adviser model.
• Yellow Brick Mortgages: UK whole-of-market mortgage broker serving first-time buyers, self-employed borrowers and remortgage customers. Directly comparable as a similarly sized UK mortgage broker with overlapping customer segments.

Others

• PRIMIS Mortgage Network: UK mortgage and protection network providing lender panel access, compliance and support to appointed representatives. Comparable as an alternative appointed-representative network option for small UK mortgage brokers.
• Openwork Partnership: UK financial services network providing compliance and support infrastructure to mortgage brokers and IFAs. Already connected to Chris Hazell Mortgages (firm's articles are 'Approved by The Openwork Partnership'), and comparable as the regulatory/network ecosystem the firm depends on.

Broad incumbents

• Mortgage Advice Bureau (MAB): National UK mortgage advice network with hundreds of advisers across the country. Comparable as a larger, established mortgage broker operating in the same product categories, though via a distributed adviser network rather than a single local office.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/chris-hazell-mortgages

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 CHRIS HAZELL MORTGAGES LTD