TIM ROBINSON MORTGAGE AND PROTECTION LTD

What TIM ROBINSON MORTGAGE AND PROTECTION LTD does

Tim Robinson Mortgage and Protection Limited is a UK mortgage and protection advisory firm founded in 2019 and headquartered in Bingley, West Yorkshire. It operates as an appointed representative of Mortgage Advice Bureau Limited, which provides FCA-authorised regulatory cover, access to a panel of lenders, IT infrastructure, training, and compliance oversight. The firm is privately held by founder Tim Robinson and is not venture- or private-equity-backed.

Its core offering is mortgage sourcing and advice across residential purchase, remortgage, and buy-to-let, with supplementary protection advisory (life, critical illness, and income protection) and access to bridging, development finance, and commercial mortgages via business partners. Supporting the advisory service is a digital toolset that includes a Home Buying App (iOS and Android), calculators for repayments, borrowing amount, and UK regional stamp duty taxes, and a Financial Risk Assessment tool for protection needs. The platform also incorporates AI and automated decision-making for affordability assessment, product sourcing, AML identity verification, and complaint handling, with all automated outputs subject to adviser review.

Revenue is generated through transaction-based mortgage advice fees of up to 1% of loan amount (typically 0.3%) and commissions on protection products. The go-to-market is sales-led and direct, leveraging the website, calculators, and the Home Buying App as top-of-funnel lead generators, with phone, email, and in-person consultations closing transactions. Customers are predominantly UK retail home buyers and property investors, with operations concentrated in West Yorkshire under FCA regulation inherited from the Mortgage Advice Bureau network.

Name

TIM ROBINSON MORTGAGE AND PROTECTION LTD

Legal name

Tim Robinson Mortgage and Protection Limited

Website

https://timrobinsonmortgageandprotection.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Tim Robinson Mortgage and Protection is a UK mortgage and protection advisory firm operating as an appointed representative of Mortgage Advice Bureau, serving retail home buyers and property investors in West Yorkshire with mortgage sourcing, protection advice, and digital planning tools.

Ownership category

akta.pro rank

Product category

Mortgage Broking

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

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage broking
• Protection advice
• Home buying planning
• Mortgage advisory
• Insurance advisory

Headquarters

HQ city

Bingley

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 Advice Fees: Fees charged for mortgage advice services. The fee is calculated as a percentage of the amount borrowed, with fees up to 1% and a typical fee of 0.3% of the mortgage amount.
2. Protection Product Advisory: Advisory services for protection products including life insurance, critical illness insurance, and income protection insurance. Revenue generated through commissions from protection product suppliers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Tim Robinson Mortgage and Protection is an appointed representative of Mortgage Advice Bureau that provides mortgage broking and protection advisory services to UK consumers. The firm sources residential, remortgage, buy-to-let, bridging, development, and commercial mortgage deals, alongside protection advice covering life insurance, critical illness, and income protection. Its offering is supported by digital tools including the Home Buying App, mortgage calculators, and a Financial Risk Assessment tool.

Product overview

Tim Robinson Mortgage and Protection is an appointed representative of Mortgage Advice Bureau, providing mortgage and protection advisory services. The core offering centers on a mortgage finder service that searches thousands of deals for purchase, remortgage, residential, and buy-to-let needs. Supporting the advisory service is a suite of digital tools including The Home Buying App (a digital mortgage coach for saving, planning, and tracking home purchases), multiple mortgage calculators (repayment, borrowing amount, stamp duty, LBTT, and LTT calculators), and a Financial Risk Assessment tool for evaluating protection coverage. The company also offers access to specialist financial products including bridging finance, development finance, and commercial mortgages through business partner relationships. The firm also utilizes AI-powered automation for affordability assessment, product sourcing, identity verification, and complaint handling within the Mortgage Advice Bureau platform ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• The Home Buying App: A digital mortgage coach designed to help users save up, plan, and track their home buying journey - whether buying their first home or moving.

Products and services

• Find a Mortgage (Mortgage Brokerage Service) Mortgage sourcing service that searches thousands of deals to help customers find the right mortgage for purchase, remortgage, residential, or buy-to-let purposes. Targeted at individual home buyers and property investors in the UK.
• Protection Insurance Advisory Advisory service for protection products including life insurance, critical illness insurance, and income protection insurance. Revenue generated through commissions from a range of protection product suppliers.
• The Home Buying App A digital mortgage coach mobile application designed to help users save up, plan, and track their home buying journey. Features affordability tools, savings goal tracking, and expert advice articles.
• Bridging Finance (via business partners) Short-term financing solutions available through business partners for property transactions, not directly available through the main Mortgage Advice Bureau network.
• Development Finance (via business partners) Financing for property development available through business partner relationships.
• Commercial Mortgages (via business partners) Mortgage products for commercial property purchases available through business partners.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Mortgage Advice Bureau LimitedcoreChannel Partner/ Reseller/ DistributorTim Robinson Mortgage and Protection is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. These firms are authorised and regulated by the Financial Conduct Authority. This relationship provides access to Mortgage Advice Bureau's network of lenders, products, and support services including training, quality checking, and IT systems.
• Business Partners (Bridging, Development Finance, Commercial Mortgage Providers)minorChannel Partner/ Reseller/ DistributorThrough business partners, the firm is able to offer bridging loans, development finance, and commercial mortgage products that are not directly available through the main Mortgage Advice Bureau network.

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• Mortgage Advice Bureau: Mortgage Advice Bureau is the parent network and regulatory principal of which Tim Robinson Mortgage and Protection is an appointed representative. MAB operates a national network of mortgage advisers across the UK, providing product access, compliance, and IT infrastructure — making it the direct upstream comparable for the anchor's operating model.
• Openwork: Openwork is one of the UK's largest mortgage and protection advisory networks, supporting a national adviser community. It is comparable as a wider-network incumbent competing for the same adviser-affiliation and product-distribution value chain as Mortgage Advice Bureau.
• Countrywide (Connells Group): Countrywide, part of Connells Group, operates a national estate agency and mortgage advisory business across the UK. It overlaps with Tim Robinson in mortgage sourcing and protection advice but operates at far broader scale through branch-based distribution.
• PRIMIS Mortgage Network: PRIMIS is a UK mortgage and protection adviser network supporting appointed representatives with lender access, compliance, and training. It is comparable as an alternative network incumbent competing with Mortgage Advice Bureau for AR-firm affiliations and product distribution.

Emerging players

• Better.com: Better.com is a digital-first mortgage lender and broker using technology to streamline mortgage origination. It is comparable as a tech-enabled competitor in the mortgage intermediation space, though operating at much larger scale and primarily in the US rather than the UK.
• Trussle: Trussle is a UK online mortgage broker focused on remortgage customers, using automated sourcing and adviser support. It overlaps with Tim Robinson's remortgage and residential customer segment and competes for the same digitally-engaged mortgage shoppers.
• Habito: Habito is a UK digital-first mortgage broker offering online sourcing, advice, and protection products to consumers. It is comparable as a competitor in the same residential mortgage intermediation space, but with a technology-led, consumer-brand orientation rather than a single-adviser local model.

Direct peers

• John Charcol: John Charcol is a long-established UK mortgage broker specialising in complex and high-value residential, buy-to-let, and professional borrower cases. It is comparable as a directly competing advisory intermediary serving similar consumer and investor segments with fee-based advice.
• London & Country Mortgages (L&C): L&C is one of the UK's largest independent mortgage brokers, offering whole-of-market residential and buy-to-let mortgage sourcing plus protection advice across the country. It is a direct peer as both firms earn fee/commission income from intermediating mortgages between consumers and lenders with comparable customer segments and revenue models.
• SPF Private Clients: SPF Private Clients is a UK mortgage broker serving high-net-worth, professional, and complex case borrowers across residential, buy-to-let, and specialist lending. It is a direct peer competing for the same advised mortgage customer with comparable fee-based revenue mechanics.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tim-robinson-mortgage-protection

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 TIM ROBINSON MORTGAGE AND PROTECTION LTD