MORTGAGE ADVICE EXCHANGE LTD

What MORTGAGE ADVICE EXCHANGE LTD does

Mortgage Advice Exchange Ltd is a Scotland-focused mortgage brokerage registered as a private limited company in Scotland (SC654168) and headquartered at 130 East Claremont Street, Edinburgh. The firm operates as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, drawing its lender panel, regulatory permissions, and sourcing infrastructure from that relationship. It advises individual retail customers on residential and buy-to-let mortgages, with primary segments being first-time buyers, remortgage customers, home movers, and buy-to-let landlords.

The company's product surface centres on adviser-led mortgage and protection advice, supplemented by a digital tool suite that includes mortgage, affordability, borrowing power, repayment, and stamp duty calculators, a mortgage finder, a financial risk assessment tool, an Agreement in Principle workflow, and a Home Buying App positioned as a digital mortgage coach. Underlying technology is a digital advisory platform integrated with Mortgage Advice Bureau's sourcing system, providing access to over 12,000 mortgage products from 90+ lenders. The firm does not build or own proprietary AI, model, or API capabilities.

Mortgage Advice Exchange generates revenue through a transaction-based fee model, charging up to 1% of the mortgage amount with a typical fee of £495, payable on successful completion. Its go-to-market is sales-led, combining digital marketing and SEO-driven lead capture with phone-based and in-branch adviser consultations at its Edinburgh office. Distribution is direct-to-consumer; no intermediary channels are used. Geographic scope is explicitly limited to Scotland, and operational scale signals (single office, no disclosed headcount, no disclosed revenue or funding history) indicate a small, locally focused operation rather than a national or scaling player.

Name

MORTGAGE ADVICE EXCHANGE LTD

Legal name

Mortgage Advice Exchange Ltd

Website

https://mortgageadviceexchange.co.uk

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Mortgage Advice Exchange Ltd is a Scotland-focused mortgage brokerage operating as an appointed representative of Mortgage Advice Bureau, advising first-time buyers, home movers, remortgagors, and buy-to-let landlords on residential mortgages via adviser-led and digital channels.

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

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage
• Mortgage advice
• Protection advice
• Home buyer services
• Remortgage advisory

Headquarters

HQ city

Edinburgh

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

Revenue model

1. Mortgage Advice Fees: The company charges fees for mortgage advice services. The fee is calculated as a percentage of the mortgage amount (up to 1%) with a typical fee of £495. This is a transaction-based revenue model tied to successful mortgage completions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Mortgage Advice Exchange Ltd provides expert mortgage and protection advice to consumers in Scotland, operating as an appointed representative of Mortgage Advice Bureau with access to over 12,000 mortgage products from 90+ lenders. The company handles the entire mortgage application process from initial consultation through to completion, offering specialised services for first-time buyers, remortgagors, home movers, and buy-to-let landlords, supported by a suite of digital tools and calculators.

Product overview

Mortgage Advice Exchange is a mortgage brokage service operating as an appointed representative of Mortgage Advice Bureau Limited. The company provides expert mortgage and protection advice with access to over 12,000 mortgages from 90+ lenders. The product portfolio centers on the core Mortgage Advice and Brokage Services, supplemented by specialized services for First Time Buyers, Remortgage, Buy to Let, and Home Moving. The offering includes multiple digital tools: Mortgage Calculator, Mortgage Finder, Agreement in Principle, Mortgage Affordability Calculator, Borrowing Power Calculator, Repayment Calculator, Stamp Duty Calculator, Financial Risk Tool, and the Home Buying App. The company handles the complete application process from initial consultation through to completion.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advice and Brokerage Services

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Mortgage Advice Bureau LimitedcoreStrategic or Co-development PartnerMortgage Advice Exchange 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 access to Mortgage Advice Bureau's infrastructure, lender relationships, and regulatory permissions, enabling the company to offer mortgage advice across their full panel of lenders.
• Mortgage Advice Bureau (Derby) LimitedcoreStrategic or Co-development PartnerAs an appointed representative, Mortgage Advice Exchange operates under the regulatory authorisation of Mortgage Advice Bureau (Derby) Limited, providing FCA regulated status and access to the broader Mortgage Advice Bureau network of lenders and products.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Emerging players

• Better.co.uk: Online mortgage broker focused on remortgage and home-mover segments with a fee-based model and digital journey. Comparable on customer segments served and transactional fee economics, differentiated by a fully online experience.
• Habito: Digital-first UK mortgage broker offering free online advice plus adviser support. Competes for the same first-time buyer and remortgage customers but with a tech-led rather than branch-led delivery model.
• Trussle: UK online mortgage broker combining automated recommendations with human adviser support for completion. Comparable hybrid digital-plus-adviser model aimed at mainstream purchase and remortgage customers.

Broad incumbents

• Mortgage Advice Bureau: The principal firm whose appointed-representative network Mortgage Advice Exchange belongs to. MAB is the UK's largest mortgage broker network and provides the regulatory umbrella, sourcing system, and lender panel that the subject company leverages.
• Halifax: UK's largest mortgage lender with significant direct-to-consumer mortgage origination. Competes indirectly by capturing borrowers who would otherwise use a broker, and serves the same purchase and remortgage segments.
• Santander UK: Major UK high-street mortgage lender with direct origination across purchase, remortgage, and buy-to-let. A principal on the MAB lender panel and a competitor for the same borrower pool.
• Countrywide Mortgage Services: Large UK estate-agency-affiliated mortgage broker network with branch-led distribution. Comparable in adviser-led broker model with regional coverage, though tied to the Countrywide estate agency footprint.

Direct peers

• John Charcol: Long-established London-based whole-of-market mortgage broker serving complex and mainstream cases. Comparable in adviser-led, fee-charging, whole-of-market positioning, though with a higher-end customer focus and London-centric geography.
• London & Country Mortgages (L&C): UK-wide fee-charging mortgage broker offering whole-of-market advice across a wide lender panel, with a strong digital self-service toolkit and adviser-led conversion. Closely comparable in fee model, panel breadth, and target customer profile.

Regional players

• BM Solutions (Lloyds Banking Group): Buy-to-let specialist lender within Lloyds Banking Group. Comparable to Mortgage Advice Exchange's BTL service line in targeting landlord customers with rental-income underwriting criteria.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mortgage-advice-exchange

Compliance2 records

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 MORTGAGE ADVICE EXCHANGE LTD