NEXPAD MORTGAGES LIMITED

What NEXPAD MORTGAGES LIMITED does

Nexpad Mortgages Limited is a UK mortgage and protection brokerage, founded in 2024 by Stuart Dare, a 25-year mortgage industry veteran and former Managing Director of Mortgage Services at Connells Group. The company operates as an appointed representative of HL Partnership Limited, providing FCA-regulated mortgage and protection advice to UK residents across five core segments: first-time buyer, home mover, remortgage, buy-to-let, and personal/family protection and general insurance. Advisers are distributed nationwide and serve clients remotely (phone and video) with in-person meetings arranged where appropriate, allowing coverage across all UK regions from a single Leicester headquarters.

The core product is regulated, advised mortgage and protection brokerage, supported by a suite of nine online calculators (affordability, borrowing, repayment, stamp duty, remortgage, overpayment, buy-to-let, and a UK mortgage rates comparison table) that drive top-of-funnel lead capture. Nexpad sources products from a broad panel of UK mortgage lenders including major high street banks (Lloyds, HSBC UK, Halifax, Barclays, NatWest, Nationwide, Santander), building societies, and specialist lenders, and holds Trusted Provider status with eXp UK for referrals from estate agency networks.

The business model is a professional-services, per-case transaction fee: a standard broker fee of £599 is payable on application and non-refundable, rising to up to £999 for more complex cases, with the initial consultation free and without obligation. Distribution is sales-led, combining direct consumer engagement, content marketing through blog articles and tools, and partnership referrals from estate agency networks and eXp UK. The team currently comprises seven named mortgage and protection advisers plus the founder-CEO, with active recruitment of additional self-employed advisers to scale capacity.

Name

NEXPAD MORTGAGES LIMITED

Legal name

Nexpad Mortgages Limited

Website

https://www.nexpad.co.uk/

Company type

Private

Founded year

2026

Operating status

Operating

Short description

Nexpad Mortgages Limited is a UK FCA-regulated mortgage and protection brokerage founded in 2024, advising first-time buyers, home movers, remortgagors, and buy-to-let landlords across the UK via a panel of high-street and specialist lenders, charging a per-case broker fee of £599.

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

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

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

Keywords

• Mortgage brokerage
• Protection insurance
• Remortgage advice
• Buy-to-let lending
• Home buyer services

Headquarters

HQ city

Leicester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broker Fees: Nexpad charges a standard mortgage broker fee of £599, payable on application and non-refundable. In more complex cases, a higher fee of up to £999 may apply. Fees are confirmed in writing before any chargeable work begins. The initial conversation is free and without obligation.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Nexpad Mortgages Limited is a UK mortgage and protection brokerage that provides tailored mortgage and insurance advice to UK residents. The firm advises on residential mortgages (first-time buyers, home movers, remortgages), buy-to-let mortgages, and a range of protection and general insurance products, sourcing options from a broad panel of UK lenders including high street banks, building societies, and specialist lenders.

Product overview

Nexpad is a UK mortgage and protection brokerage operating as a unified advisory service with integrated online tools. The core offering consists of mortgage advisory services across residential (first-time buyer, home mover, remortgage) and buy-to-let segments, supplemented by protection insurance (life, critical illness, income protection) and general insurance (buildings and contents). Supporting the advisory services is a suite of nine online mortgage calculators and comparison tools covering affordability, borrowing, repayment, stamp duty, remortgage, overpayment, buy-to-let, and rate comparison. The company accesses a broad panel of UK mortgage lenders including major high street banks and building societies to source tailored mortgage options for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• First-time Buyer Mortgages Mortgage advisory service for UK residents purchasing their first home, helping them understand their options and navigate the home purchasing process with tailored advice and broad lender panel access.
• Home Mover Mortgages Mortgage advice for UK residents moving house, supporting them through every stage of the home-moving journey including porting or new mortgage arrangement.
• Remortgages Remortgaging advisory services helping homeowners switch to more suitable mortgage deals or lenders when their current deal ends, with comparison support.
• Buy-to-Let Mortgages Mortgage advisory for landlords seeking financing for rental property investments, including rental income assessment and access to specialist lending products.
• Protection Insurance Advised protection product sales including life insurance, critical illness cover, and income protection to safeguard families and homes.
• General Insurance Buildings and contents insurance advice to protect properties and personal belongings, arranged from a selected panel of insurers.

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Three partnerships are on record, tiered core and key.

• HL Partnership LimitedcoreImplementation/ SI/ Consulting PartnerHL Partnership Limited is the principal network that Nexpad Mortgages Limited is an appointed representative of. HL Partnership is authorised and regulated by the Financial Conduct Authority. Nexpad benefits from compliance support, systems, training, and marketing support from HL Partnership's award-winning marketing team.
• eXp UKkeyGTM or Marketing PartnerNexpad works with eXp UK to help make moving home feel more connected, so customers can access mortgage advice at the right time and benefit from a smoother, better supported experience. Nexpad holds Trusted Provider status with eXp Solutions.
• UK Mortgage Lenders PanelcoreChannel Partner/ Reseller/ DistributorNexpad advises from a broad panel of UK mortgage lenders including high street banks (Lloyds, HSBC UK, Halifax, Barclays, NatWest, Nationwide, Santander), building societies, and specialist lenders. This allows tailored options to be sourced for customer circumstances.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Habito: UK online mortgage broker offering advice and comparison across a lender panel. Comparable to Nexpad as a UK residential mortgage intermediary serving first-time buyers, movers, and remortgagors with a hybrid of online tools and human advisers.
• Trussle: UK mortgage broker focused on remortgages and home purchases via a digital-first platform with adviser support. Directly comparable to Nexpad's residential mortgage and remortgage focus and fee-based intermediary model.
• Mortgage Advice Bureau (MAB): UK mortgage and protection advisory network with a large adviser panel across the country. Closely comparable to Nexpad as a multi-adviser mortgage and protection intermediary operating across the UK.
• London & Country Mortgages (L&C): Long-established UK mortgage broker advising across a wide lender panel. Comparable to Nexpad on core residential mortgage brokerage, remortgage focus, and whole-of-market style sourcing.
• Alexander Hall: London-focused mortgage broker offering residential and buy-to-let advice from a panel of lenders. Comparable to Nexpad on UK mortgage brokerage, adviser-led delivery, and protection cross-sell.

Broad incumbents

• Connells Group: UK's largest estate agency group, which historically employed Nexpad's founder and offers in-house mortgage advice via its own advisers. Comparable as an incumbent UK home-mover distribution channel that Nexpad's eXp partnership is partly positioned against.
• Countrywide (Connells-owned): Major UK estate agency network with integrated mortgage advice. Relevant as a broader incumbent that combines estate agency and mortgage intermediation, similar to Nexpad's eXp UK partnership model.

Others

• HL Partnership Limited: UK mortgage network of which Nexpad is an appointed representative. Comparable as the infrastructure / parent-network counterpart that provides compliance, systems, and marketing support to Nexpad.

Regional players

• eXp UK: UK estate agency network partnering with Nexpad as a Trusted Provider for mortgage introductions. Comparable as the distribution-side partner that supplies home-mover leads to Nexpad's advisers.

Emerging players

• Better.co.uk: UK online mortgage broker focused on remortgages and home purchases via an advice-led digital flow. Comparable to Nexpad as a digitally enabled UK mortgage intermediary competing for the same first-time buyer, mover, and remortgage customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 NEXPAD MORTGAGES LIMITED