Mortgage and Protection Advice Centre Ltd

What Mortgage and Protection Advice Centre Ltd does

Mortgage and Protection Advice Centre Ltd is a UK-based mortgage and protection brokerage operating as a sole-practitioner firm led by CeMAP- and CeRER-qualified broker Matt Ryder. Founded in 2007 and registered in England and Wales (company number 13395365), the firm is headquartered at 37 Kingsmead, Bognor Regis, and serves individual consumers across England. It operates as an appointed representative of Hl Partnership Limited, which is authorised and regulated by the Financial Conduct Authority, providing the regulatory cover required to deliver mortgage and protection advice.

The firm offers a broad advisory product suite spanning residential mortgages (repayment, interest-only, fixed, tracker, SVR, and offset), buy-to-let and let-to-buy mortgages, later-life lending (equity release / lifetime mortgages and RIO mortgages), and protection products (life cover, critical illness, income protection, and buildings and contents insurance). The underlying technology stack is non-proprietary: the business relies on standard broker industry systems for lender panel access and rate monitoring, supplemented by a Wix-hosted content website (mapacentre.co.uk) for client education and lead generation.

The revenue model is built on disclosed per-transaction advisory fees — £495 payable at outset for standard mortgage advice and £950 on completion for lifetime mortgages — alongside commission earned on protection product placement. The go-to-market is entirely direct-to-consumer, delivered through phone, email, and in-person consultations available 8am to 9pm seven days a week. The customer base consists of individual residential borrowers, property investors, and later-life clients, with no institutional or corporate accounts disclosed.

Name

Mortgage and Protection Advice Centre Ltd

Legal name

Mortgage and Protection Advice Centre Ltd

Website

https://mapacentre.co.uk

Company type

Private

Founded year

2007

Operating status

Operating

Short description

Mortgage and Protection Advice Centre Ltd is a sole-practitioner UK mortgage and protection brokerage based in Bognor Regis, advising individual consumers on residential, buy-to-let, and later-life lending plus protection products under FCA regulation via Hl Partnership Limited.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

akta.pro secondary industry

Reverse Mortgage Brokers (FSALABAD)

Keywords

• Mortgage brokerage
• Protection advice
• Equity release
• Later life lending
• Residential mortgages

Headquarters

HQ city

Bognor Regis

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, Others

Revenue model

1. Mortgage Advisory Fees: Fees charged for mortgage advice and recommendations. For standard mortgages, a fee of £495 is payable at outset. For Lifetime Mortgages (equity release products), a fee of £950 is payable on completion. The fee amount depends on client circumstances.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Mortgage and Protection Advice Centre Ltd is a UK-based mortgage and protection brokerage operated by a single self-employed advisor (Matt Ryder), providing personalised advice and recommendations on residential mortgages, buy-to-let mortgages, equity release/lifetime mortgages, retirement interest-only (RIO) mortgages, and related protection insurance products (life cover, critical illness, income protection, and buildings & contents insurance). The broker accesses panels of lenders and protection providers to identify suitable products and exclusive broker-only rates for individual borrowers across England.

Product overview

Mortgage and Protection Advice Centre Ltd operates as a mortgage and protection broker offering a portfolio of financial products through a single advisor-led service model. The core offering includes residential mortgages (repayment and interest-only options), buy-to-let mortgages, equity release/lifetime mortgages, and retirement interest only (RIO) mortgages, complemented by a range of protection products including life cover, critical illness cover, income protection, and buildings & contents insurance. The company differentiates through personalized broker services, market monitoring for rate optimization, and mortgage offer scrutiny. Matt Ryder serves as the sole broker, holding CeMAP and CeRER qualifications, with services available 8am to 9pm seven days a week.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Mortgage products for individuals purchasing or remortgaging residential properties, providing advice on repayment and interest-only options tailored to borrower circumstances.
• Buy To Let Mortgages Mortgages for properties intended to be let to tenants, with lenders using rental income calculations to determine borrowing capacity. The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.
• Equity Release / Lifetime Mortgages Later life lending products allowing homeowners to release equity from their property, with advice fees of up to £950 payable on completion.
• Retirement Interest Only Mortgages (RIO) Mortgage products designed for retirees where interest is paid monthly, with the capital repaid when the property is sold or the borrower passes away.
• Fixed Rate Mortgages Mortgage products with monthly payments fixed for a set period (typically 2, 3, 5, or 10 years), providing payment stability for borrowers.
• Tracker Rate Mortgages Mortgage products that track the Bank of England Base Rate, with monthly payments that can rise or fall with base rate movements.
• Offset Mortgages Mortgage products that offset savings balances against the mortgage balance to reduce interest charged, potentially saving thousands in interest over the mortgage term.
• Life Cover Protection insurance product that pays out a lump sum on the death of the insured person, providing financial security for beneficiaries.
• Critical Illness Cover Insurance product providing a lump sum payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list.
• Income Protection Insurance product paying benefits to policyholders who are incapacitated and unable to work due to illness or accident, with optional unemployment cover.
• Buildings and Contents Insurance Home insurance covering property and contents, with optional add-ons including extended accidental cover, legal cover, home emergency cover, and personal possessions cover.

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 LimitedcoreStrategic or Co-development PartnerMortgage and Protection Advice Centre Ltd operates as an appointed representative of Hl Partnership Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). This regulatory relationship enables the company to provide regulated mortgage and protection advice services in the UK.

Recent moves5 records

Expansion highlights3 records

Direct peers

• Habito: UK digital mortgage broker offering whole-of-market residential mortgage advice online. Directly comparable to MAPA on residential mortgage brokerage but delivered via a digital platform with no upfront client fee.
• London & Country Mortgages (L&C): Largest fee-charging UK mortgage broker providing whole-of-market residential and buy-to-let mortgage advice, with phone-based advice similar in service model to MAPA but at significantly greater scale.
• Better.co.uk: UK online mortgage broker offering free whole-of-market residential mortgage advice, comparable to MAPA on product range and lender access but competing via a no-fee digital model.
• SPF Private Clients: UK mortgage broker focused on high-net-worth, buy-to-let, and complex/equity release cases, closely comparable to MAPA's later-life and BTL product mix with a personal-adviser service model.
• Mojo Mortgages: UK online mortgage broker offering whole-of-market residential and buy-to-let mortgage advice, directly overlapping with MAPA's core product set and customer segments.
• Trussle: UK digital mortgage broker focused on remortgaging; directly comparable on residential mortgage intermediation, with a tech-led proposition that pressures traditional fee-based brokers like MAPA.

Emerging players

• Tembo Money: UK mortgage broker focused on later-life lending, family-assisted and equity release products, directly comparable to MAPA's later-life service line and competing for the same over-55 segment.
• Equity Release Council (industry body, not peer) - replaced with: Key Equity Release (now part of Key Group): UK specialist equity release adviser with CeRER-qualified advisers offering lifetime mortgages and later-life lending advice, directly comparable to MAPA's equity release service line.
• Haysto: UK specialist mortgage broker helping borrowers with complex income or credit profiles obtain mortgages; comparable to MAPA on intermediary model and whole-of-market access, with a digital front end.

Broad incumbents

• Hl Partnership Limited: FCA-authorised principal firm for which MAPA is an appointed representative; a large UK mortgage network that supports hundreds of advisers, comparable to MAPA in product range but operating as the umbrella regulator and lender panel.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Mortgage and Protection Advice Centre Ltd