HMC FUNDING LIMITED
- Company typePrivate
- Founded2020
- HeadquartersShepton Mallet, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
HMC FUNDING LIMITED firmographics
Firmographics- Name
- HMC FUNDING LIMITED
- Legal name
- HMC Funding Limited
- Website
- https://libertymoney.co.uk
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where HMC FUNDING LIMITED is headquartered
LocationHeadquarters
- HQ city
- Shepton Mallet
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
HMC FUNDING LIMITED business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Advisory Services: The company earns commission from mortgage lenders and providers for arranging mortgage products including purchase, remortgage, buy-to-let, and commercial mortgages. This is a transaction-based revenue model where the company receives a procuration fee from lenders upon completion of a mortgage.
- Secured Loans (Second Charge Mortgages): Provides second charge mortgages for homeowners borrowing between £5,000 to £1,000,000 over 3 to 35 year terms. Revenue generated through arrangement fees and interest spread from lenders.
- Protection Products: Arranges protection insurance products including life insurance, critical illness cover, mortgage payment protection, income protection, family income benefit, and home insurance. Earns commission from insurance providers.
- Asset Finance: Provides funding for business equipment including plant, machinery, vehicles, technology, and construction equipment. Minimum funding starts at £15,000 after deposit with terms ranging from 12 to 60 months.
- Invoice Finance: SME invoice finance broker providing cash flow injection by releasing cash against outstanding customer invoices. Options include selective funding (no long-term commitment) and ongoing funding (whole sales ledger).
- Retailer Finance: Point-of-sale finance for retailers allowing customers to spread the cost of purchases. Fixed monthly payments with low or 0% APR options. Specializes in leisure and travel sector.
- Lodge Finance: Point-of-sale finance for leisure and lodge purchases. Customers can spread costs through monthly payments with terms ranging from 12 to 180 months, either interest-free or interest-bearing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Secured loans ranging from £5,000 to £1,000,000 |
| Unit Pricing | Monthly | Asset finance minimum funding £15,000 |
| Usage-based | Pay-as-you-go | Invoice finance minimum transaction £7,500 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
HMC FUNDING LIMITED product offering
Product offeringCore offering
HMC Funding Limited (trading as Liberty Money) is a UK FCA-authorised mortgage and credit broker arranging residential, first-time-buyer, remortgage, buy-to-let and commercial mortgages, second-charge secured loans, and consumer protection insurance (life, critical illness, mortgage payment protection, home insurance) for individuals. The firm also operates a dedicated business-finance arm providing asset finance, invoice finance, lodge finance and retailer finance to UK SMEs and retailers.
Product overview
Liberty Money, a trading style of HMC Funding Limited, is an FCA-authorized mortgage broker and financial services provider offering a comprehensive suite of mortgage, protection, and business funding products. The company operates across three main divisions: (1) Mortgages including Purchase, First Time Buyer, Remortgage, Buy to Let, Commercial Mortgages, and Secured Loans/Second Charge Mortgages; (2) Protection & Insurance including Life Insurance, Critical Illness Cover, Mortgage Payment Protection, and Home Insurance; and (3) Funding Options for businesses including Lodge Finance, Asset Finance, Invoice Finance, and Retailer Finance. The company also provides research tools including Mortgage Finder, Mortgage Calculator, and Mortgage Widgets. As a credit broker, Liberty Money provides impartial advice and access to products from multiple lenders across the UK market, with offices in Bristol and Somerset serving customers nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Purchase Mortgages Regulated mortgage arrangement for UK consumers purchasing a residential property, with whole-of-market lender access via the Liberty Money brokerage.
Quantifiable outcome
- Monthly mortgage payment difference between SVR (6.99%) and competitive fixed rate (2.49%) on £200,000 over 20 years can be £619.75 per month
- +1 more outcomes
Companies that use HMC FUNDING LIMITED
Customer profileNamed customers4 records
Segments7 records
Ideal customer profiles2 records
HMC FUNDING LIMITED technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
HMC FUNDING LIMITED partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- UK Mortgage Lenders (Panel of Lenders)coreLiberty Money has access to thousands of products from the UK's leading mortgage lenders. As an independent mortgage broker, they work with multiple lenders to find suitable mortgage products for customers. The company acts as a distribution channel for lenders while providing customers with access to competitive mortgage deals across the whole market.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
HMC FUNDING LIMITED competitors and assessment
Company assessmentDirect peers
- Habito: Online-first UK mortgage broker and lender competing for the same direct-to-consumer mortgage customers with technology-led advice.
- London & Country Mortgages: Largest independent UK mortgage broker offering whole-of-market mortgage and protection advice, directly comparable to Liberty Money's core advisory model.
- Mojo Mortgages: Digital mortgage broker offering whole-of-market mortgage comparison and advice, overlapping on first-time buyer and remortgage segments.
- Trussle: UK online mortgage broker providing automated whole-of-market mortgage advice, a direct competitor in the digital intermediary space.
- Better.co.uk: Online whole-of-market mortgage broker offering direct mortgage advice and remortgaging services to UK consumers.
- John Charcol: Long-established specialist UK mortgage broker with expertise in complex and non-standard cases, mirroring Liberty Money's specialist complex-case positioning.
- SPF Private Clients: UK specialist mortgage broker focused on high-net-worth and complex cases, comparable on whole-of-market access and complex-case specialism.
Broad incumbents
- Openwork: Large UK financial advice network that mortgage brokers and IFAs can partner with; overlapping with Liberty Money's intermediary distribution strategy.
- Quilter: UK wealth management and financial advice group offering mortgage and protection advice across a wider product portfolio than Liberty Money.
Emerging players
- Swoop Funding: UK business finance marketplace offering asset finance, invoice finance, and business loans, overlapping with Liberty Money's business funding division.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
HMC FUNDING LIMITED compliance and trust
Trust signalCompliance1 record
HMC FUNDING LIMITED financial estimates
Financial estimateRevenue estimate
Valuation estimate
HMC FUNDING LIMITED leadership team
Management profileNumber of profiles
HMC FUNDING LIMITED funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HMC FUNDING LIMITED M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HMC FUNDING LIMITED
What does HMC FUNDING LIMITED do?
HMC Funding Limited (trading as Liberty Money) is a UK FCA-authorised mortgage and credit broker arranging residential, first-time-buyer, remortgage, buy-to-let and commercial mortgages, second-charge secured loans, and consumer protection insurance (life, critical illness, mortgage payment protection, home insurance) for individuals. The firm also operates a dedicated business-finance arm providing asset finance, invoice finance, lodge finance and retailer finance to UK SMEs and retailers.
Is HMC FUNDING LIMITED a public or private company?
HMC FUNDING LIMITED is a private company. It is classified as unknown and is currently operating.
When was HMC FUNDING LIMITED founded?
HMC FUNDING LIMITED was founded in 2020. It employs 11 to 50 people.
Where is HMC FUNDING LIMITED based?
HMC FUNDING LIMITED is headquartered in Shepton Mallet, United Kingdom, in the Europe region.
How does HMC FUNDING LIMITED make money?
Seven revenue lines are on record. Mortgage Advisory Services are the primary driver. The others are secured Loans (Second Charge Mortgages), protection Products, asset Finance, invoice Finance, retailer Finance and lodge Finance.
Who are HMC FUNDING LIMITED's main competitors?
Direct peers on record are Habito, London & Country Mortgages, Mojo Mortgages, Trussle, Better.co.uk, John Charcol and SPF Private Clients. Broad incumbents are Openwork and Quilter. Swoop Funding is listed as an emerging player.
Does HMC FUNDING LIMITED have an API?
No public API is recorded for HMC FUNDING LIMITED.