OPULENT MORTGAGES LTD

What OPULENT MORTGAGES LTD does

Opulent Mortgages Ltd is a UK-based mortgage brokerage and protection insurance advisory firm founded in 2025 and headquartered in Walsall, West Midlands. The company operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd (FCA Number 1042862), which provides regulatory authorisation and access to a whole-of-market lender panel. Its service portfolio spans four mortgage segments (First Time Buyers, Moving Home, Buy to Let, Remortgage), a protection insurance suite (life, critical illness, income protection, home/landlord), and ancillary services (conveyancing, will writing, specialist and commercial finance). The firm serves individual consumers and small-scale property investors, primarily in the West Midlands with reach across England.

The core technology stack is minimal: a marketing website with educational content and a non-proprietary House Price Calculator, supported by social channels managed by a third-party agency (The Studio). There is no proprietary platform, API, mobile application, or AI/ML capability disclosed. Distribution is sales-led through direct customer engagement via telephone, email, and face-to-face consultations at the Walsall office, augmented by word-of-mouth referrals and a Check My File partnership for credit file services.

The business model is fee-for-service, charging a typical £495 for purchase mortgages and £295 for remortgages (capped at £1,000), with the core team comprising one Director/Mortgage Adviser and two administrators. The firm does not sell proprietary products; instead it acts as an intermediary earning arrangement fees and likely commission on placed business. No external funding, institutional investment, or revenue disclosure is present in the available data, and the company remains privately held under its sole operating entity in England & Wales (Company Number 16406740).

Name

OPULENT MORTGAGES LTD

Legal name

Opulent Mortgages Ltd

Website

https://opulentmortgages.co.uk

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Opulent Mortgages Ltd is a UK mortgage brokerage and protection insurance adviser, founded in 2025 in Walsall, serving first-time buyers, movers, remortgagers, and buy-to-let investors across England as an FCA Appointed Representative of Stonebridge Mortgage Solutions Ltd.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Commercial Mortgage Brokerage (FSAEAEAB), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage services
• Protection insurance advice
• Buy to let mortgages
• Remortgage advisory services
• First time buyer mortgages

Headquarters

HQ city

Walsall

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 Arrangement Fees: Charges fees for arranging mortgages: typically £495 for property purchases and £295 for remortgages, with actual fees dependent on circumstances and not exceeding £1000. This is a direct fee-for-service revenue stream.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Opulent Mortgages Ltd is a UK mortgage brokerage that arranges residential and buy-to-let mortgages on behalf of individual consumers, offering whole-of-market advice through its Appointed Representative status with Stonebridge Mortgage Solutions Ltd. The firm also provides protection insurance advice (life, critical illness, income protection, home and landlord) and supplementary referrals for conveyancing, will writing, and specialist commercial finance. Customers are guided through the entire mortgage process from initial enquiry to completion for typical arrangement fees of £495 (purchases) or £295 (remortgages).

Product overview

Opulent Mortgages Ltd is a mortgage brokerage and financial advisory firm offering a unified service portfolio organized around three core pillars: mortgage brokering, protection (insurance) products, and supplementary property/legal services. The mortgage division includes four distinct advisory services (First Time Buyers, Moving Home, Buy to Let, and Remortgage), each supported by a dedicated web presence. The protection arm encompasses life insurance variants (including standard term and whole-of-life policies), critical illness cover, income protection, and property insurance. Additional services include conveyancing, will writing, and specialist commercial finance. A proprietary House Price Calculator tool enables prospective buyers to estimate affordability. The firm acts as an intermediary between clients and lenders/insurers, earning commission rather than selling proprietary products.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyers Mortgage Service Mortgage advisory and brokering service for first-time homebuyers, guiding them through borrowing calculations, Agreement in Principle, and the full home purchase process.
• Moving Home Mortgage Service Mortgage advisory service for homeowners moving to a new property, covering borrowing options and protection planning.
• Buy to Let Mortgage Service Mortgage advisory service for property investors purchasing rental properties, including portfolio growth and Limited Company investment options.
• Remortgage Service Mortgage refinancing advisory service to help customers find better deals, reduce payments, or release equity for home improvements.
• Life Insurance Insurance policy that pays a cash lump sum upon death or terminal illness diagnosis, designed to cover mortgage repayments or other financial commitments. Includes term life, whole of life, and Family Income Benefit variants.
• Critical Illness Cover Insurance coverage providing financial protection in the event of a serious illness diagnosis.
• Income Protection Insurance product that replaces lost income if the policyholder is unable to work due to illness or injury.
• Home & Landlord Insurance Insurance coverage for homeowners and landlords to protect their properties and liabilities.
• Conveyancing Property legal services to facilitate the transfer of property ownership during the home buying process, provided via referral.
• Will Writing Legal document preparation service to create a legally valid will for estate planning, provided via referral.
• Specialist Finance & Commercial Mortgages Business-focused lending solutions including commercial mortgages and specialist finance products for complex financial needs, provided via referral.

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Stonebridge Mortgage Solutions LtdcoreChannel Partner/ Reseller/ DistributorOpulent Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 1042862). This relationship provides access to Stonebridge's panel of lenders and mortgage products, enabling Opulent to offer a broad range of mortgage solutions to their customers.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Stonebridge Mortgage Solutions: Opulent's actual principal firm and one of the UK's larger mortgage networks. Comparable as an intermediary infrastructure provider connecting AR advisers to lender panels, though operating at network rather than retail layer.
• PRIMIS Mortgage Network: Large UK mortgage and protection network supporting appointed representatives. Provides lender panel access similar to Stonebridge, serving the same AR-led distribution model Opulent operates within.
• Sesame Network (Sesame Bankhall Group): UK mortgage, protection and general insurance network for AR advisers. Directly comparable intermediary infrastructure to Stonebridge, supporting retail mortgage brokers like Opulent.
• Openwork Partnership: Large UK financial advice network offering mortgages, protection and wealth products through appointed representatives. Comparable network/AR distribution model and product breadth.

Direct peers

• Mortgage Advice Bureau: UK-listed mortgage broker with a national network of retail advisers arranging residential, BTL and protection products. Closely comparable business model to Opulent: intermediary, fee-based, adviser-led, FCA-regulated.
• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering whole-of-market residential, BTL and remortgage advice. Same intermediary model, comparable fee structure, overlapping customer base.
• Habito: UK digital-first mortgage broker offering online whole-of-market advice for purchase, remortgage and BTL. Competes for the same UK consumer base with a tech-led rather than adviser-led delivery model.
• Just Mortgages (Spicerhaart): UK self-employed mortgage adviser network offering whole-of-market mortgage and protection advice. Same customer segments (FTBs, movers, BTL, remortgage) and similar AR/network distribution model.
• John Charcol: Long-established UK specialist mortgage broker focused on complex cases, BTL, and high-value loans. Comparable in offering specialist finance, BTL and residential broking to UK consumers.

Emerging players

• Mojo Mortgages: Online UK mortgage broker (formerly Trussle) using technology to match borrowers to lenders and advisers. Comparable in targeting UK FTBs, movers and remortgagors, with a younger, digital customer overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/opulent-mortgages

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 OPULENT MORTGAGES LTD