Opus Mortgage Brokerage Limited

What Opus Mortgage Brokerage Limited does

Opus Mortgage & Protection Ltd is a UK-based whole-of-market mortgage brokerage headquartered in London at 20 Wenlock Road, N1 7GU. The firm operates as an Appointed Representative of Connect IFA Ltd (FRN: 441505) under FCA authorization (FRN: 1043126) and serves property buyers, portfolio landlords, self-employed professionals, foreign nationals, expats, and individuals with non-standard income or specialist property scenarios that high street lenders typically decline. Its core differentiation is access to a panel of 200+ lenders, including commercial, bridging, development, and niche BTL providers that standard brokers cannot reach.

The product portfolio spans residential mortgages (first-time buyer, remortgaging, moving home), specialist lending (buy-to-let, commercial property, property investment finance, complex income, international clients), short-term funding (bridging and development finance), and protection insurance (term life, critical illness, income protection, mortgage protection, Relevant Life Cover). The technology layer consists of a web-based suite of specialist calculators covering affordability, BTL portfolio analysis, self-employed income, bridging, commercial property, and approval probability, plus an 8-question Complex Case Assessment Tool that scores user complexity and routes leads to specialist advisors. Underlying infrastructure is standard SaaS: HubSpot for CRM, Calendly for scheduling, and Google Analytics for web analytics. No proprietary AI/ML systems are disclosed.

Revenue is generated through fixed broker fees charged upon successful mortgage completion — £499 for standard cases (residential, BTL, HMO, commercial, bridging, second charges, foreign nationals not located in the UK) and £799 for complex cases such as development finance — supplemented by undisclosed lender commissions disclosed to clients. The go-to-market is sales-led with a content marketing layer: free downloadable guides, a mortgage-focused blog, specialist calculators, and SEO targeting long-tail keywords for niche mortgage scenarios feed qualified leads into phone, WhatsApp, and email advisor consultations. The firm operates Monday-Friday 9AM-6PM and Saturday 9AM-4PM, serving the England market exclusively, with no disclosed funding rounds, acquisitions, or external investors.

Name

Opus Mortgage Brokerage Limited

Legal name

Opus Mortgage & Protection Ltd

Website

https://opusmortgage.co.uk

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Opus Mortgage & Protection Ltd is a UK FCA-regulated whole-of-market mortgage brokerage specializing in complex cases — self-employed, expat, portfolio BTL, and commercial — that high street lenders decline, charging fixed fees of £499-£799 per completed case.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage brokerage services
• Specialist mortgage advice
• Protection insurance advisory
• Buy-to-let financing
• Self-employed mortgages

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Broker Fees: Fixed broker fees charged upon successful mortgage completion. Standard mortgage cases: £499. Complex cases (development finance, portfolio BTL): £799. Additional commissions received from lenders, disclosed but not quantified.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Opus Mortgage & Protection Ltd is a UK whole-of-market mortgage brokerage that arranges residential, buy-to-let, commercial, bridging and development finance, plus protection insurance products. It specialises in complex cases — self-employed, foreign nationals, portfolio landlords, adverse credit, and non-standard property — that high street lenders typically decline, drawing on a panel of 200+ lenders including specialist, commercial, and bridging providers.

Product overview

Opus Mortgage & Protection operates as a whole-of-market mortgage brokerage offering a unified platform of mortgage and protection services. The core offering spans residential mortgages (first-time buyer, remortgaging, moving home), specialist lending (buy-to-let, commercial property, property investment finance, complex income, international clients), and short-term funding (bridging and development finance). Protection products include life insurance, critical illness cover, income protection, and specialist Relevant Life Cover for directors. Supporting tools include a suite of online calculators for affordability assessment, BTL portfolio analysis, and bridging calculations, plus a Complex Case Assessment Tool. The company differentiates through specialist lender relationships for complex cases that standard brokers cannot handle.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Mortgage broking for first-time buyers including access to first-time buyer schemes, low-deposit products (as low as 5%), and specialist lender options for complex situations including self-employed applicants.

Quantifiable outcome

• Successfully secured formal mortgage offers for complex cases that other brokers decline

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

One partnership is on record.

• Connect IFA LtdcoreOthersConnect IFA Ltd (FRN: 441505) is the principal firm for which Opus Mortgage & Protection Ltd operates as Appointed Representative. Connect IFA Ltd is authorised and regulated by the FCA and provides compliance oversight, processing support, and regulatory framework for the brokerage.

Scale indicators4 records

Recent moves6 records

Direct peers

• London & Country Mortgages: One of the UK's largest fee-free/fixed-fee whole-of-market mortgage brokers, directly comparable to Opus on advisor-led brokerage across residential, BTL, and complex cases — though L&C is much larger and primarily volume-driven.
• Coreco: Specialist London mortgage broker focused on high-net-worth, complex income, and prime property cases; comparable to Opus's premium specialist positioning and complex-case lender panel.
• Haysto: UK specialist mortgage broker focused on self-employed, complex income, and previously declined applicants; near-identical niche overlap with Opus's complex-income and hard-to-place borrower segments.
• Trussle: Digital UK mortgage broker focused on remortgaging and switching; overlapping distribution model and self-service digital tools, though narrower product scope than Opus.
• John Charcol: Long-established specialist UK mortgage broker focused on complex, high-net-worth, and self-employed cases; one of the closest direct comparables to Opus's specialist positioning and lender panel access.
• Private Finance: UK specialist mortgage broker for complex, high-net-worth, and non-standard cases including expats and portfolio landlords; directly comparable specialist expertise and lender panel.
• Habito: Digital-first UK whole-of-market mortgage broker offering online advice and application management; comparable direct peer with overlapping self-employed and first-time buyer focus, but with a stronger technology brand.
• SPF Private Clients: Specialist UK mortgage broker for high-net-worth, complex income, and large loan cases; very close comparable to Opus on specialist expertise and complex case placement.
• Henry Dannell: Specialist UK mortgage broker for complex and adverse-credit cases including self-employed and contractor borrowers; directly comparable to Opus's specialist self-employed and complex-income proposition.
• Mojo Mortgages: Online UK mortgage broker platform offering whole-of-market access; comparable whole-of-market model though Opus is more specialist-focused and Mojo more volume/digital-led.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance3 records

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 Opus Mortgage Brokerage Limited