Pargin Financial Solutions Ltd

What Pargin Financial Solutions Ltd does

Pargin Financial Solutions Ltd is a privately held independent mortgage advisory firm incorporated in England in 2017 and headquartered at 3 High Street, Dedham, Colchester, Essex. Founded and led by Director Christopher Pargin, who has over 10 years of experience split between working directly for lenders and broking mortgages within corporate and independent estate agencies, the firm provides whole-of-market mortgage advice and acts as an appointed representative of Sesame Ltd under FCA authorization. Its core service is researching and arranging mortgages across a comprehensive range of lenders for individual consumer clients, with a typical advisory fee of £299 payable on submission of a full mortgage application, supplemented by lender commission. Customer segments explicitly targeted include first-time buyers, self-employed individuals and contractors, buy-to-let property investors, and existing mortgage holders seeking remortgage.

The firm's product surface comprises core mortgage broking plus four protection add-on modules — life cover, critical illness cover, income protection, and home insurance — marketed as complementary rather than standalone services. Go-to-market is sales-led and relationship-driven: customers are acquired through the company website, organic social (Facebook, LinkedIn), educational blog content on mortgage topics, Google reviews (5.0 stars across 151 reviews), and a referral network of three named estate agency partners (Kingsleigh, Boydens, Bonds of Essex) operating across North Essex and South Suffolk. The firm offers flexible appointment scheduling including evenings, weekends, telephone, and home visits.

Operationally, the firm runs with approximately 2-3 advisors following the addition of a second advisor in 2021 and Sam Cook's arrival in 2025, with no disclosed funding, external investors, parent company, or technology platform beyond standard website and contact infrastructure. Revenue is generated on a per-application basis (fee plus lender commission), and the firm does not disclose revenue, making financial benchmarking inferential only. The business is positioned as a personalized, locally-rooted advisory alternative to high-street banks and large broker chains.

Name

Pargin Financial Solutions Ltd

Legal name

Pargin Financial Solutions Ltd

Website

https://parginfs.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Pargin Financial Solutions Ltd is an independent FCA-authorized (via Sesame Ltd) mortgage advisory firm based in Colchester, UK, founded in 2017 by Christopher Pargin. It provides whole-of-market mortgage and protection advice to first-time buyers, self-employed clients, and buy-to-let investors across East Anglia via a small team of advisors and estate agent referrals.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage advisory services
• Independent mortgage broker
• Remortgage advice
• Buy-to-let mortgages
• Protection insurance products

Headquarters

HQ city

Colchester

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

Revenue model

1. Mortgage Advisory Fees: The company charges a fee for researching and selecting a mortgage that best suits client needs, typically £299, payable upon submission of a full mortgage application. Additionally, they receive commission from lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Pargin Financial Solutions Ltd provides independent mortgage advisory and broking services to individual consumers across East Anglia, helping clients secure residential, remortgage, and buy-to-let mortgage products from a comprehensive range of lenders. The firm charges a typical advisory fee of £299 plus receives lender commission, and supplements mortgage advice with protection products including life cover, critical illness cover, income protection, and home insurance. The company operates as an appointed representative of Sesame Ltd under FCA regulation.

Product overview

Pargin Financial Solutions Ltd operates as a single-service independent mortgage advisory firm. The core offering is mortgage brokering and advisory services, with Christopher Pargin and his team providing tailored mortgage solutions across a comprehensive range of lenders. The company primarily assists first-time buyers, self-employed clients, contractors, and buy-to-let investors. Additional financial protection products including life cover, critical illness cover, income protection, and home insurance are offered as supplementary modules. The firm charges a typical fee of £299 for mortgage research and application services.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 151 Google reviews with 5.0 star rating demonstrating high customer satisfaction

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Sesame LtdcoreImplementation/ SI/ Consulting PartnerSesame Ltd is the network/brokerage under which Pargin Financial Solutions operates as an appointed representative. Sesame Ltd is authorised and regulated by the Financial Conduct Authority. The company acts under Sesame's regulatory umbrella to provide mortgage advisory services.
• KingsleighminorChannel Partner/ Reseller/ DistributorIndependent family-run Estate Agency covering the Dedham and Manningtree area offering services in both Sales and Lettings. Pargin Financial Solutions acts as introducer to Kingsleigh for mortgage services, and Kingsleigh recommends Pargin to their clients.
• BoydensminorChannel Partner/ Reseller/ DistributorFamily-owned, Independent Estate Agency operating across North Essex and South Suffolk offering Residential Sales and Lettings services alongside Land and Leasehold and Estate Management services. Acts as referral partner for mortgage services.
• Bonds of EssexminorChannel Partner/ Reseller/ DistributorWell-established independent Estate Agency offering Sales and Lettings services across the Clacton and Tendring area. Acts as referral partner for mortgage services for their property buying and selling clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• London & Country Mortgages: One of the UK's largest independent mortgage brokers, providing whole-of-market mortgage advice to consumers nationwide with similar broker/intermediary economics to Pargin.
• Mortgage Advice Bureau: UK mortgage advice network with hundreds of appointed representatives offering whole-of-market advice, directly comparable model to Pargin's AR arrangement with Sesame.
• SPF Private Clients: Independent UK mortgage broker offering whole-of-market advice including specialist and buy-to-let cases, closely mirroring Pargin's service set for higher-complexity borrowers.
• Private Finance: Independent UK mortgage broker for complex, high-value, and buy-to-let lending; directly comparable specialist proposition.
• John Charcol: Specialist UK mortgage broker focused on complex cases, self-employed, and buy-to-let borrowers - overlapping with Pargin's specialist segments.
• First Mortgage Direct: UK whole-of-market mortgage broker serving consumers nationwide, overlapping with Pargin's residential purchase and remortgage business.

Broad incumbents

• Sesame Ltd: FCA-regulated mortgage network of which Pargin is an appointed representative; provides regulatory infrastructure and may onboard or support similar independent AR mortgage firms.
• Openwork Partnership: UK financial advice network operating mortgage, protection and distribution services comparable to the wholesale/network relationships enabling Pargin's GTM.

Emerging players

• Habito: Tech-enabled UK mortgage broker offering online and advised mortgage services; competes for the same consumer mortgage customers with a digital-first approach.
• Trussle: UK online mortgage broker with adviser support; targets the same first-time buyer and remortgage customers as Pargin with a more digital delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ParginFS
• LinkedInlinkedin.com/company/parginfs

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Pargin Financial Solutions Ltd