ROCKMERE FINANCE LTD

What ROCKMERE FINANCE LTD does

Rockmere Finance Ltd is a UK-based financial advisory and credit brokerage firm focused on property and business finance. Founded in 2025 and registered in West Drayton, the company is led by founder and adviser Matthew Murray and operates as an Appointed Representative of Connect IFA Limited (FRN 441505), placing it under Financial Conduct Authority oversight under reference 1041078. Its core proposition is to act as an intermediary between UK property investors, landlords, and business owners and a network of 170+ lenders spanning high street banks to specialist providers, enabling placement of standard and non-standard cases that include personal and limited-company buy-to-let mortgages, portfolio and HMO lending, bridging finance, commercial mortgages, and development finance, alongside a protection product suite covering life, critical illness, income protection, and business protection.

The firm runs a sales-led, advice-driven go-to-market delivered via telephone (0800 912 4050), video consultation, email, in-person meetings, and an online 30-minute consultation booking system. Top-of-funnel demand is generated through educational blog content and three proprietary web calculators (Buy-to-Let, Bridging ROI, and Mortgage Overpayment) that estimate affordability and returns. Pricing is transactional with three flat broker fees (£299 for personal-name single buy-to-let; £499 for limited-company, portfolio, HMO, multi-unit or serviced accommodation buy-to-let; £998 for bridging, commercial, and development finance), supplemented by lender commissions that vary by product and are received after completion. Fees are disclosed in writing before a full application proceeds.

The technology stack is conventional web tooling rather than a proprietary platform: the calculators are described as ease-of-use lead magnets rather than differentiated IP, and no APIs, AI/ML capabilities, mobile applications, or third-party integrations are disclosed. The company is privately held, founder-owned, bootstrapped with no institutional investment or parent entity, and operates UK-wide from a single registered office. UK GDPR compliance is maintained via ICO registration ZB926197.

Name

ROCKMERE FINANCE LTD

Legal name

Rockmere Finance Ltd

Website

https://rockmerefinance.com

Company type

Private

Founded year

2025

Operating status

Operating

Ownership category

akta.pro rank

Product category

Property Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Mortgage brokerage
• Buy-to-let finance
• Bridging loans
• Commercial property finance
• Protection insurance

Headquarters

HQ city

West Drayton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Fees and Commission: Rockmere Finance operates as a credit broker earning commission from lenders after completion of transactions. The company charges flat broker fees to clients: £299 for personal name single buy-to-let mortgages, £499 for limited company, portfolio, HMO, multi-unit or serviced accommodation buy-to-let cases, and £998 for bridging, commercial and development finance. Commission from lenders varies by lender and product.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Rockmere Finance Ltd is a UK credit broker that arranges property finance and protection products for landlords, property investors, and business owners by accessing a network of 170+ lenders. Its core offerings span buy-to-let mortgages (personal name, limited company, portfolio, HMO, multi-unit, holiday lets), bridging finance for time-sensitive deals, commercial mortgages and development finance, and a protection suite including life insurance, critical illness cover, income protection, family income benefit, business protection and everyday protection. The firm charges disclosed flat broker fees to clients and earns commission from lenders upon transaction completion.

Product overview

Rockmere Finance Ltd is a financial advisory firm specializing in property and business finance, offering a unified service across three core product areas: Buy-to-Let Mortgages (including portfolio landlord, HMO, and holiday let products), Bridging and Commercial Finance (covering short-term bridging loans, commercial mortgages, and development finance), and Protection Products (life insurance, critical illness cover, income protection, family income benefit, business protection, and everyday protection). The company also provides a Calculator Hub with online tools including a Buy-to-Let Calculator, Bridging ROI Calculator, and Mortgage Overpayment Calculator to help clients estimate affordability and returns. Services are available through direct consultation via phone, email, or an online booking system, with access to 170+ lenders from high street banks to specialist providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Buy-to-Let Mortgages Mortgage products for landlords purchasing or remortgaging rental properties, available in personal name or through limited company structures. Covers standard buy-to-let, portfolio landlord, HMO, multi-unit blocks, and holiday let scenarios.
• Bridging Finance Short-term property finance for time-sensitive deals including auction purchases, refurbishments, chain breaks and quick funding needs. Includes exit strategy planning through refinancing or property sale.
• Commercial Finance Long-term commercial mortgages for business premises, investment properties, semi-commercial units and refinancing. Works with both high street and specialist lenders.
• Development Finance Funding for ground-up construction and conversion projects, from single plots to multi-unit sites. Includes staged funding, planning gain and land purchase financing.
• Life Insurance Pays out a lump sum on death during the policy term to provide financial support for loved ones, used to clear mortgages or cover expenses.
• Critical Illness Cover Tax-free lump sum payment if diagnosed with a serious medical condition listed in the policy, supporting recovery without financial stress.
• Income Protection Monthly income payment if unable to work due to illness or injury, continuing until return to work, retirement or policy limit.
• Family Income Benefit Ongoing monthly payments to family upon death during policy term, designed to cover regular expenses like rent, food and childcare.
• Business Protection Protection policies structured through the business to protect against loss of a director, shareholder or key individual due to serious illness or death.
• Everyday Protection Fixed cash benefits for life events including hospital stays, accidental injuries, broken bones and death. Provides lump sums for additional expenses.

Quantifiable outcome

• Access to 170+ lenders

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Connect IFA LtdcoreStrategic or Co-development PartnerRockmere Finance Ltd is an Appointed Representative of Connect IFA Limited (Firm Reference Number 441505), which is Authorised and Regulated by the Financial Conduct Authority. Connect IFA Ltd provides regulatory oversight and access to the Financial Services Register under reference 1041078. This appointed representative relationship is the core regulatory structure enabling Rockmere Finance to provide regulated financial advice.
• 170+ Lenders NetworkcoreChannel Partner/ Reseller/ DistributorAccess to 170+ lenders including high street banks and specialist providers. Lenders include major financial institutions and specialist property finance lenders. Commission is received from lenders after transaction completion, with rates varying by lender and product.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Brilliant Solutions: Whole-of-market UK mortgage broker specialising in buy-to-let, limited-company, HMO, and complex landlord cases. Direct peer in the specialist landlord advisory segment with comparable product mix and intermediary business model.
• SPF Private Finance: UK specialist mortgage and short-term finance broker focused on buy-to-let, bridging, and complex income cases. Closely comparable to Rockmere in customer segments (landlords, property investors, business owners), lender-network distribution model, and fee-based revenue structure.
• Pure Commercial Finance: UK bridging and commercial finance broker serving property investors, developers, and business owners. Comparable specialist lender-panel distribution model and case-by-case fee structure aimed at non-standard property finance.
• The Business Mortgage Company: UK specialist broker focused on commercial mortgages, business premises finance, and development funding. Targets the same business-owner and investor segments as Rockmere's commercial and development finance products.
• Mortgages for Business: Specialist UK broker focused on commercial mortgages, bridging finance, and development finance for business owners and investors. Directly overlaps with Rockmere's commercial, bridging, and development product lines and target customer base.

Broad incumbents

• London & Country Mortgages: One of the UK's largest fee-charging mortgage brokers offering whole-of-market advice including buy-to-let and specialist lending. Operates broadly across the same lender network and product categories as Rockmere but at significantly greater scale.
• Mortgage Advice Bureau: Large UK mortgage broker network with thousands of advisers providing whole-of-market advice including buy-to-let and protection. Overlaps with Rockmere on product range and target segments but operates as an established national incumbent with significant scale advantages.

Emerging players

• Habito: UK digital-first mortgage broker combining online application journeys with human adviser support. Competes for the same property-investor and homeowner segments as Rockmere but differentiates via technology-led UX rather than niche specialism.
• Trussle: UK online mortgage broker offering whole-of-market comparison with adviser support. Adjacent competitor to Rockmere in the property finance intermediation space with a more digital, mass-market positioning.

Others

• Sesame (PMI Group): UK mortgage and protection network providing regulatory infrastructure, lender panel access, and compliance support to appointed representatives. Comparable role to Rockmere's Connect IFA principal relationship but at much larger network scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance2 records

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 ROCKMERE FINANCE LTD