AIMEE GARRAWAY INDEPENDENT MORTGAGE SOLUTIONS LTD

Name

AIMEE GARRAWAY INDEPENDENT MORTGAGE SOLUTIONS LTD

Legal name

Aimee Garraway Independent Mortgage Solutions Limited

Website

https://aim-mortgages.com

Company type

Private

Founded year

2020

Operating status

Operating

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Independent mortgage brokerage
• Residential mortgage advisory
• RSU mortgage specialist
• Buy to let mortgages
• Protection insurance advisory

Headquarters

HQ city

Rainworth

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Commission: The company earns commission from lenders when arranging mortgages for customers. As an appointed representative of The On-Line Partnership Limited, they operate within the FCA regulatory framework. The company accesses the whole market to find suitable mortgage products for clients.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

AIM Independent Mortgage Solutions operates as a whole-market mortgage brokerage, providing personalized mortgage advice to UK residents across residential, buy to let, re-mortgage, self-employed, and bridging loan categories. The firm is a specialist in Restricted Stock Unit (RSU) income mortgages and Help to Buy Equity Loan remortgages, offering access to over 100 lenders. It also distributes a complementary range of protection products including life insurance, critical illness cover, income protection, and family income benefit.

Product overview

AIM Independent Mortgage Solutions Ltd operates as a whole-market mortgage advisory firm offering a unified platform of mortgage and protection products. The core offering consists of residential mortgage products (First Time Buyer, Re-Mortgage, Self Employed, Buy to Let, and Bridging Loans) complemented by specialized RSU and Help to Buy Equity Loan services. The company also provides a complementary suite of protection products including Life Insurance, Critical Illness Cover, Income Protection, and Family Income Benefit. All products are accessed through the firm's mortgage advisers who search across unlimited lenders to find suitable mortgage deals, with services available seven days a week.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyer Mortgages Mortgage advisory services for first-time homebuyers, providing access to 90% and 95% loan-to-value products with specialist broker guidance through the application process.
• Re-Mortgages Re-mortgage advisory to secure lower interest rates, reduce mortgage terms, consolidate debt, fund home improvements, or release equity.
• Self Employed Mortgages Mortgage advisory tailored for self-employed borrowers, accessing lenders that assess income via one-year accounts, Profit Before Tax, Salary and Dividends, or Share of Net Profit structures.
• Buy to Let Mortgages and Portfolio Landlord Mortgages Investment property mortgage advisory for prospective landlords and portfolio landlords, including rental income assessment against interest cover and access to specialist portfolio lenders.
• Bridging Loans Short-term property finance solutions priced monthly, typically used while awaiting funds from existing property sales, auction completions, or refurbishment works.
• Restricted Stock Unit (RSU) Mortgages Specialist mortgage advisory that utilises RSU income to maximise borrowing affordability, working with mainstream high-street lenders that accept stock-based compensation for affordability assessment.
• Help to Buy Equity Loan Mortgages Specialist advisory for Help to Buy equity loan properties, covering remortgaging, planning for the end of the 5-year interest-free period, refinancing to repay the equity loan, and liaison with scheme administrators.
• Life Insurance Tax-free lump sum policy paid to beneficiaries on death during the mortgage term, typically written into Trust.
• Critical Illness Cover Lump sum payment on diagnosis of specified critical illness or disability, with optional child cover.
• Income Protection Monthly payment of up to 70% of salary during periods unable to work due to illness, injury, or involuntary redundancy.
• Family Income Benefit Regular monthly income to family members on the policyholder's death, providing ongoing financial support instead of a lump sum.

Quantifiable outcome

• Mortgage offer issued within 4 working days for RSU income case that other broker failed on for 4 months
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• The On-Line Partnership LimitedcoreStrategic or Co-development PartnerThe company is an appointed representative of The On-Line Partnership Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). This regulatory relationship is fundamental to the company's operations, providing the regulatory framework under which AIM offers mortgage advice. FRN 192638.
• In Partnership (Network)coreChannel Partner/ Reseller/ DistributorAIM operates as part of In Partnership's network of appointed representatives. In Partnership provides access to a panel of approved providers for RICS valuations and conveyancing services. The relationship provides administrative support and access to specialist services required for complex mortgage cases such as Help to Buy remortgages.
• 100+ Mortgage LenderscoreChannel Partner/ Reseller/ DistributorThe company works with over 100 lenders including mainstream high street banks, not just boutique lenders offering high interest rates. These include lenders who understand and accept RSU income for mortgage affordability calculations, which is a key differentiator for their specialized service offering.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Haysto: UK specialist mortgage broker focused on self-employed, self-build, and complex-income borrowers. Comparable as a niche UK mortgage broker targeting underserved segments with non-standard income, overlapping with AIM's self-employed and RSU customer segments.

Direct peers

• SPF Private Clients: UK specialist mortgage broker for high-net-worth and complex-income borrowers, including professionals with bonus and equity compensation. Comparable as a specialist UK broker targeting complex-income clients, overlapping with AIM's RSU and high-earner positioning.
• Mojo Mortgages: UK online mortgage broker offering whole-of-market advice via a digital platform with human adviser support. Comparable as a UK whole-market mortgage broker competing in the same residential and re-mortgage segments using a hybrid digital-advisory model.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers offering whole-of-market mortgage advice directly to consumers. Highly comparable as a fee-free, whole-market UK mortgage advisory serving similar residential, buy-to-let, and complex-income segments through a direct advisory model.
• John Charcol: Long-established specialist UK mortgage broker focusing on complex and high-net-worth mortgage cases. Comparable as a specialist UK mortgage advisor serving complex-income and high-value borrowers, and notably the same firm where AIM's founder previously worked.
• Trussle: UK online mortgage broker providing whole-of-market advice and ongoing mortgage monitoring to UK consumers. Comparable direct competitor in UK residential mortgage brokerage, with a digital-first GTM motion versus AIM's personal advisory approach.
• Habito: UK digital-first mortgage broker offering whole-of-market mortgage advice via an online platform. Comparable as a UK-focused mortgage broker competing for the same residential and re-mortgage customers, differentiated by technology-led delivery rather than personal advisory.

Broad incumbents

• Primis Mortgage Network: Large UK mortgage and protection broker network providing infrastructure, compliance, and lender access to appointed representatives. Comparable as an alternative network model that an adviser of AIM's profile could operate under, representing structural rather than direct competition.
• Mortgage Advice Bureau: Large UK mortgage broker network with hundreds of appointed representatives across the country. Comparable as a UK mortgage broker operating under a network model similar to AIM's appointed-representative structure, but at significantly greater scale and brand recognition.

Others

• The On-Line Partnership Limited: FCA-regulated principal firm that hosts AIM and other mortgage advisers as appointed representatives. Not a competitor but the regulatory and infrastructure partner whose network AIM depends on for FCA authorization, lender panels, and compliance support.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/aimmortgages

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 AIMEE GARRAWAY INDEPENDENT MORTGAGE SOLUTIONS LTD