MORTGAGES NOW LTD

What MORTGAGES NOW LTD does

Mortgages Now Ltd is a UK mortgage brokerage and protection insurance advisory headquartered in Gateshead, North-East England, founded in 2012 and operating as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. The firm's core offering consists of adviser-led mortgage selection and full application handling, drawing on access to over 12,000 products from 90+ UK lenders. Service lines cover first-time buyer mortgages, home-mover (porting) mortgages, buy-to-let mortgages, remortgages, and protection insurance products (life, critical illness, income protection, buildings, and contents).

The business operates a sales-led go-to-market motion anchored on free initial no-obligation consultations, with engagement delivered through in-person, telephone, or video appointments across Newcastle upon Tyne, Sunderland, Gateshead, County Durham, and South Tyneside. Revenue is generated via a transaction fee of up to 1% of the mortgage amount borrowed, with a typical fee of 0.3% paid at completion. A dedicated in-house mortgage administration team manages the application from enquiry through completion, and an instant online mortgage calculator serves as the primary lead-generation digital tool. No proprietary technology platform, AI/ML capabilities, API infrastructure, or external funding has been disclosed beyond the standard website, blog, email newsletter, and SEO channels.

The firm is structured as a private limited company registered in England (Company Number 12089868) with a headcount of 1-10 and no disclosed equity ownership, venture capital backing, or subsidiaries. Its regulatory and sourcing backbone is provided entirely through the Mortgage Advice Bureau appointed-representative framework, which delivers FCA authorisation, lender access, and connection to specialist product providers in lieu of standalone infrastructure.

Name

MORTGAGES NOW LTD

Legal name

Mortgages Now Ltd

Website

https://www.mortgagesnow.co.uk/

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Mortgages Now Ltd is a North-East England mortgage brokerage and protection insurance advisory operating as an appointed representative of Mortgage Advice Bureau, delivering adviser-led mortgage and protection advice with access to 12,000+ products from 90+ UK lenders.

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 industries

Commercial & Multifamily Mortgage Brokers (FSALABAB), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage
• Mortgage advice
• Protection insurance
• Remortgage services
• Buy-to-let financing

Headquarters

HQ city

Gateshead

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage advice fees: Mortgages Now charges a fee for mortgage advice. The fee is up to 1% of the amount borrowed, with a typical fee of 0.3% of the amount borrowed. This is a one-time fee collected at the point of mortgage completion.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Mortgages Now is a UK mortgage brokerage providing mortgage advice and protection insurance advisory services. Operating as an appointed representative of Mortgage Advice Bureau Limited, the firm offers access to over 12,000 mortgage and protection products from 90+ UK lenders, guiding customers through mortgage selection, application, and completion via in-person, telephone, and video consultations primarily across North-East England.

Product overview

Mortgages Now is a mortgage brokerage operating as an appointed representative of Mortgage Advice Bureau, offering access to over 12,000 mortgage and protection products from 90+ UK lenders. The core offering consists of mortgage advisory services for home buying (first-time buyers, buy-to-let, and home movers), remortgaging, and protection insurance (life, critical illness, income protection, buildings, and contents). The company provides a digital mortgage calculator tool and delivers services through both in-person consultations and telephone/video appointments across North-East England.

Differentiator

Problem solved

Functional benefit

Products and services

• Critical Illness Cover Insurance that pays a lump sum upon diagnosis of a covered critical illness or medical procedure, helping cover medical bills, care costs, and lost income.
• Buy a Home (First-Time Buyer) Mortgage Advice Mortgage advisory service for first-time buyers and house movers, providing access to thousands of mortgage products from 90+ lenders with personalized recommendations and full application support from enquiry to completion.
• Buy-to-Let Mortgage Advice Specialist mortgage advisory service for property investors seeking buy-to-let financing, with guidance on landlord-specific mortgage requirements and insurance considerations.
• Moving Home (Porting) Mortgage Advice Advisory service for homeowners looking to move property while managing their existing mortgage, including assessment of portability options and alternative remortgage paths.
• Remortgage Advice Remortgaging advisory service to help customers switch from one mortgage product to another, either with the same lender or a different one, to secure better rates, consolidate debt, release equity, or reduce monthly outgoings.
• Life Insurance Insurance product providing financial protection for families in the event of the policyholder's death, ensuring mortgage payments can continue for dependants.
• Income Protection Insurance designed to replace a portion of earnings if the policyholder is unable to work due to illness, injury, or disability, with configurable deferment periods.
• Buildings Insurance Insurance covering the structural elements of a property (walls, floor, roof) against damage, legally required when obtaining a mortgage in the UK.
• Contents Insurance Insurance protecting the items inside a home against theft or damage, with varying coverage levels for accidents, fire, and natural disasters.

Segments5 records

Ideal customer profiles4 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.

• Mortgage Advice Bureau LimitedcoreStrategic or Co-development PartnerMortgages Now Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the Financial Conduct Authority. This partnership provides regulatory authorisation, access to mortgage sourcing systems, and connection to a network of specialist product providers. Mortgages Now has been operating since 2012 under this arrangement.

Scale indicators3 records

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Mortgage Advice Bureau: National UK mortgage broker network of which Mortgages Now is an appointed representative. Directly comparable as it offers whole-of-market mortgage and protection advice via a distributed appointed-rep model, sharing both customer segments and product breadth.
• L&C (London & Country) mortgages via Sesame network: Sesame is a large UK mortgage broker network providing regulatory authorization and infrastructure to appointed representatives. Comparable network role to Mortgage Advice Bureau, which Mortgages Now depends on for FCA authorization.
• Openwork: Large UK financial advice network offering mortgage, protection, and wealth advice via appointed representatives. Comparable as a parent-of-appointed-rep structure and as a broad incumbent competing for the same advisory customer.
• Quilter Financial Advisers: UK wealth and financial advice firm with a mortgage advisory network and appointed-rep structure. Comparable on providing regulatory infrastructure and access to mortgage/protection product providers, and overlapping protection-insurance cross-sell.

Direct peers

• Habito: UK digital-first mortgage broker providing online and telephone advice across 90+ lenders for purchase and remortgage customers. Closely comparable on customer base, lender panel breadth, and fee-based transactional model.
• London & Country Mortgages: One of the UK's largest whole-of-market mortgage brokers offering telephone and online advice to first-time buyers, home movers, remortgagors, and buy-to-let investors. Directly comparable on customer segmentation, lender panel access, and fee model.
• John Charcol: Long-established UK mortgage broker specialising in complex and large mortgage cases, including buy-to-let and high-value residential lending. Comparable on whole-of-market access, advisory-led service, and direct-to-consumer fee model.
• SPF Private Clients: UK whole-of-market mortgage broker for high-net-worth and complex residential cases, including buy-to-let and offshore buyers. Comparable on advisory-led, fee-based service model and broad lender panel access.

Emerging players

• Trussle: UK online mortgage broker focused on remortgaging with a streamlined digital journey. Comparable on remortgage customer segment and lender panel access, though more digital-only than Mortgages Now's adviser-led hybrid model.

Regional players

• Coast Capital (broker network): North-East England-focused mortgage and protection broker network. Highly comparable given overlapping regional footprint with Mortgages Now and similar whole-of-market positioning for local buyers and investors.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 MORTGAGES NOW LTD