MORTGAGE 90 LTD

What MORTGAGE 90 LTD does

Mortgage 90 Ltd is a privately held, Manchester-based independent mortgage brokerage operating in the United Kingdom. The company is registered in England and Wales (Company No. 14539975) and functions as an Appointed Representative of Cornerstone Finance Group Ltd, which holds the underlying Financial Conduct Authority authorisation. Founded circa 2022–2023 and operating with a headcount of 1–10, Mortgage 90 distributes through a sales-led, advisor-driven model targeting UK residential mortgage seekers, with particular emphasis on first-time buyers and remortgage customers, alongside self-employed and adverse-credit borrower segments.

The company's core offering centres on mortgage advisory services and a Decision in Principle (DIP) product delivered within 90 minutes of a completed fact-find, supported by two online calculators (mortgage payment and affordability). The technology stack is a web-based brokerage platform that aggregates access to 90+ lenders and 10,000+ mortgage products through a single application process. A supplementary life insurance product extends the offering into protection. Mortgage 90 markets through its website, organic social channels (Facebook, Instagram, LinkedIn), email newsletters, a customer referral programme, and an estate-agent affiliate programme.

The business model is commission-based: revenue is generated from lender commissions on completed mortgage transactions, with no upfront fees charged to customers. Distribution combines direct-to-consumer sales via the website and an inside-sales advisor team with channel/reseller referral inflows from estate agents. Geographic scope is limited to England and Wales, and no venture capital funding, institutional investors, or public-market signals have been disclosed.

Name

MORTGAGE 90 LTD

Legal name

Mortgage 90 Ltd

Website

https://mortgage90.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Mortgage 90 Ltd is a Manchester-based independent mortgage brokerage offering whole-of-market advice, a 90-minute Decision in Principle service, and life insurance to UK homebuyers, remortgagors, self-employed, and adverse-credit borrowers, operating under FCA authorisation via Cornerstone Finance Group Ltd.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Wholesale Mortgage Lending (Broker Channel) (FSALACAA)

Keywords

• Mortgage brokerage
• Remortgage advice
• First-time buyer mortgages
• Life insurance
• Adverse credit lending

Headquarters

HQ city

Manchester

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, Infrastructure

Revenue model

1. Mortgage Commission: Mortgage 90 earns commission from lenders when customers complete mortgage transactions. As an independent broker, they receive commission from the lender upon successful mortgage completion.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Mortgage 90 is an independent UK mortgage brokerage that matches residential borrowers with suitable home loan and remortgage products from a panel of 90+ lenders, offering free whole-of-market advice and a 90-minute Decision in Principle service. The firm also brokers life insurance for homeowners and operates an affiliate programme for estate agent referrals.

Product overview

MORTGAGE 90 LTD operates as an independent mortgage brokerage offering a unified advisory service built around access to 90+ lenders and 10,000+ mortgage products. The core offering comprises mortgage advisory services and a Decision in Principle service that delivers pre-approval in 90 minutes. These are supported by two calculator tools (Mortgage Calculator and Affordability Calculator) for customer self-service, and a supplementary Life Insurance product for protection coverage. The company acts as an Appointed Representative of Cornerstone Finance Group Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Services Independent mortgage brokerage providing tailored home loan and remortgage advice for UK homebuyers and homeowners, with access to over 90 lenders and 10,000+ mortgage products. Targets first-time buyers, self-employed borrowers, remortgage customers, and adverse credit applicants.
• Decision in Principle Service Mortgage pre-approval service that provides a Decision in Principle within 90 minutes, enabling borrowers to understand their eligibility and borrowing capacity before submitting a full mortgage application.
• Life Insurance Protection product offering life insurance to UK homeowners, brokered alongside the mortgage service to protect the borrower's family and home in the event of death.

Quantifiable outcome

• 90-minute Decision in Principle turnaround time
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Cornerstone Finance Group LtdcoreChannel Partner/ Reseller/ DistributorMortgage 90 Ltd is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). This regulatory relationship enables Mortgage 90 to operate as a mortgage broker in the UK. Cornerstone Finance Group Ltd is registered in England & Wales (No. 08458702) with registered office in Cardiff, Wales. Both entities are entered on the Financial Services Register.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Others

• LendInvest: UK specialist property lender and platform operating in bridging, development, and buy-to-let finance. Adjacent rather than directly competing with Mortgage 90's residential broker offering, but relevant as part of the broader UK specialist lending ecosystem Mortgage 90's network draws from.

Direct peers

• Habito: UK digital-first mortgage broker offering whole-of-market advice and proprietary technology for purchase and remortgage customers. Directly comparable value proposition (speed, lender panel, digital experience) and target audience to Mortgage 90.
• Better.co.uk: Online UK mortgage broker offering whole-of-market mortgage searches with a digital-first experience for first-time buyers and remortgagors. Comparable product, customer base, and channel mix to Mortgage 90.
• John Charcol: Long-established UK independent mortgage broker providing whole-of-market mortgage and remortgage advice, including specialist and complex income cases. Direct peer for the specialist/self-employed segment Mortgage 90 also targets.
• Mojo Mortgages: Digital mortgage broker in the UK operating a whole-of-market panel with online tools and advisor support. Comparable target customer (first-time buyers, remortgagors) and channel-led acquisition.
• Mortgage Advice Bureau: UK mortgage broker network with a large panel of advisers across the country, providing residential mortgage and remortgage advice. Comparable broker-led model with multi-adviser distribution.
• London & Country Mortgages (L&C): Largest independent mortgage broker in the UK, providing whole-of-market mortgage and remortgage advice across a broad lender panel. Direct peer serving the same UK residential borrower segments with an analogous commission-based broker model.

Emerging players

• Tembo: Newer UK mortgage broker focused on helping buyers increase their borrowing capacity, with a digital application journey. Comparable product category and UK-only focus, but differentiated by a specific 'boost affordability' angle.

Broad incumbents

• Aldermore Bank: UK specialist bank offering residential, buy-to-let, and self-employed mortgages directly and via intermediary channels. Comparable in product category and self-employed/specialist exposure, but distributes primarily as a lender rather than a broker.
• HSBC UK: One of the UK's largest retail banks offering direct mortgage origination, remortgage, and protection products at scale. Comparable end-product but distributed via direct retail banking channels rather than brokerage.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/90minutemortgages
• LinkedInlinkedin.com/company/mortgage90
• Instagraminstagram.com/mortgage90ltd

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 MORTGAGE 90 LTD