CAPITAL MORTGAGES AND FINANCE LIMITED

What CAPITAL MORTGAGES AND FINANCE LIMITED does

Capital Mortgages and Finance Limited is a UK-based, FCA-authorized mortgage brokerage firm that specializes exclusively in product transfer mortgages for existing borrowers. The firm operates as an Appointed Representative of Connect IFA Ltd (FCA firm reference 441505), enabling it to provide mortgage advisory services under a shared regulatory umbrella. Its core service involves advising borrowers whose existing mortgage deal is approaching maturity, comparing their current lender's product transfer offer against the broader market of 1000+ available deals to identify the most competitive fixed-rate option, with the goal of avoiding an automatic roll onto the lender's typically higher standard variable rate.

The business model is commission-based and free to the end customer: the firm charges no broker fees and is instead remunerated solely by commissions paid by lenders upon successful placement of a mortgage product. Distribution is entirely sales-led and direct-to-consumer, delivered via free consultations through phone, website contact forms, and scheduled appointments, supported by organic digital presence on Facebook, Instagram, and LinkedIn and content marketing on the company website. Operations run seven days a week, 8am–8pm, with a dedicated case manager assigned per client.

The company serves individual/small-business mortgage holders in England, with particular focus on three segments: mainstream borrowers approaching renewal, self-employed borrowers who may struggle to qualify with new lenders, and credit-challenged borrowers. The firm is headquartered at 321-323 High Road, Chadwell Heath, Essex, RM6 6AX, and operates as a privately held UK Limited company (Companies House number 12994071) with no disclosed funding history, management team, headcount, or revenue figures.

Name

CAPITAL MORTGAGES AND FINANCE LIMITED

Legal name

Capital Mortgages and Finance Limited

Website

https://capitalmortgagesandfinance.com

Company type

Private

Founded year

2020

Operating status

Operating

Short description

Capital Mortgages and Finance Limited is a UK mortgage brokerage advising individual residential borrowers on product transfer deals, comparing 1000+ options to avoid lender standard variable rate rollovers. It operates free-to-customer under FCA authorization via an Appointed Representative arrangement.

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
• Product transfer
• Remortgage advice
• Residential lending
• Mortgage advisory

Headquarters

HQ city

Chadwell Heath

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage Broker Commission: Receives commission payments from lenders when clients complete product transfers or remortgages. Service is offered free of charge to customers ('no broker fees'). Revenue is derived from transaction-based commissions paid by lending partners upon successful mortgage product placement.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Capital Mortgages and Finance is a UK mortgage brokerage that advises existing mortgage borrowers on product transfer mortgages, enabling them to stay with their current lender and switch to a new mortgage product (typically a fixed-rate option) without legal work, additional paperwork, or credit checks. The firm compares the lender's product transfer offer against over 1,000 mortgage deals across the wider market to identify the most competitive rate. The advisory service is provided free of charge to customers, with revenue earned through commission payments from lending partners upon successful mortgage placement.

Product overview

Capital Mortgages and Finance is a mortgage brokage firm offering a single core service: the Product Transfer Mortgage. This service enables existing mortgage holders to remain with their current lender and switch to a new mortgage product, typically fixed-rate, without the complexity of remortgaging. The company operates as an intermediary, comparing over 1,000 mortgage deals to ensure clients secure the most competitive rates. Additional services include free mortgage reviews and product transfer facilitation, all provided at no broker fee to clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Product Transfer Mortgage A mortgage advisory service that enables existing UK mortgage borrowers to remain with their current lender and switch to a new mortgage product (usually a fixed-rate option) without legal work, additional paperwork, or credit checks. The broker compares the lender's product transfer offer against more than 1,000 mortgage deals across the wider market to help the borrower secure the most competitive rate and avoid being rolled onto a higher standard variable rate (SVR) when the current deal ends. Offered free of charge to the customer.

Quantifiable outcome

• Access to 1000+ mortgage deals for comparison, potentially saving customers thousands of pounds over the life of their mortgage

Named customers3 records

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.

• Connect IFA LtdcoreOthersCapital Mortgages and Finance Limited (company number 12994071) operates as an Appointed Representative (AR) of Connect IFA Ltd, located at 39 Station Lane, Hornchurch, Essex RM12 6JL. Connect IFA Ltd is authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number 441505. This regulatory relationship enables the company to provide mortgage advisory services within FCA regulations.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Mortgage Advice Bureau: UK-wide network of mortgage advisers offering whole-of-market advice including remortgages and product transfers; overlaps in product and customer, but operates as a scaled, multi-adviser franchise rather than a single-office broker.
• HSBC UK: Major UK mortgage lender offering direct product transfer and remortgage options to its existing borrower base; a scaled lender-direct alternative that competes for the same product-transfer customers.
• Nationwide Building Society: One of the UK's largest mortgage lenders offering direct product transfer deals to existing borrowers; competes with Capital Mortgages and Finance at the lender-direct vs. broker comparison step in the customer journey.
• Stonebridge Mortgages: UK mortgage broker network providing whole-of-market mortgage and remortgage advice to consumers through appointed representatives — directly comparable AR-style regulatory structure to Capital Mortgages and Finance's set-up.

Direct peers

• Habito: UK digital mortgage broker providing online and telephone-based whole-of-market mortgage advice, including remortgages, with a free-to-customer model overlapping Capital Mortgages and Finance's value proposition.
• John Charcol: Long-established London-based UK mortgage broker providing whole-of-market remortgage and product transfer advice — comparable specialist advisory focus and customer segments (e.g., self-employed, complex cases).
• Trussle: UK online mortgage broker (now part of Mpower) focused on helping consumers find and switch mortgages, including product transfers — directly overlapping service, target customer, and digital distribution.
• Mojo Mortgages: UK online mortgage broker offering free whole-of-market mortgage and remortgage advice to consumers, with a digital-led GTM comparable to Capital Mortgages and Finance's free consultation model.
• L&C Mortgages: One of the UK's largest fee-free mortgage brokers, offering whole-of-market comparison and product transfer/remortgage advisory directly to consumers — directly comparable model and target customer to Capital Mortgages and Finance.
• Tembo Money: UK mortgage broker and later-life lending specialist offering free whole-of-market mortgage advice to consumers; comparable in product focus, fee model, and digital-led GTM.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 CAPITAL MORTGAGES AND FINANCE LIMITED