UK Mortgage Finance

Name

UK Mortgage Finance

Legal name

UK Mortgage Finance Ltd

Website

https://ukmortgagefinance.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

UK Mortgage Finance is a Saltash-based specialist property finance brokerage arranging commercial mortgages, buy-to-let, and bridging finance (£100k–£10m+) across the UK via a 200+ lender panel for investors, developers, and businesses.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage brokerage services
• Commercial mortgage lending
• Buy-to-let financing
• Bridging finance solutions
• Specialist property finance

Headquarters

HQ city

Saltash

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission / Procuration Fees: UK Mortgage Finance receives a commission or procuration fee from lenders and funding providers when an introduction results in a completed transaction. The amount varies by lender and case. This is the primary revenue stream.
2. Client Fees: Fees payable by clients are disclosed in writing before commitment. Any fees due from the client are clearly stated prior to proceeding with a deal.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

UK Mortgage Finance is a specialist property finance brokerage that arranges commercial mortgages, buy-to-let mortgages, and bridging finance for UK property investors, developers, and businesses. The firm operates as an introducer with whole-of-market access to 200+ mainstream and private lenders, using AI-powered sourcing technology to match each case to the right lender desk. Loan sizes arranged range from £100,000 to £10,000,000+, with bridging completions typically achieved in 3–21 days.

Product overview

UK Mortgage Finance is a specialist property finance brokerage offering three core products: Commercial Mortgages, Buy-to-Let Mortgages, and Bridging Finance. The brokerage also provides a specialist sub-product for Limited Company Buy-to-Let (SPV Specialists) and operates Sterling Bridging Finance as a dedicated bridging sub-brand. The unified offering spans loan sizes from £100,000 to £10,000,000+, accessing over 200 mainstream and private lenders across the whole UK market, with AI-assisted lender matching to structure the right facility for each deal.

Differentiator

Problem solved

Functional benefit

Brands

• Sterling Bridging Finance: Dedicated bridging brand operated by UK Mortgage Finance Ltd, offering specialist bridging finance including auction finance, commercial bridging, development exit finance, fast bridging, bad credit bridging, and unmortgageable property finance.

Products and services

• Commercial Mortgages Owner-occupier and investment finance for offices, retail, industrial, mixed-use and semi-commercial property, supporting trading businesses and SPVs with loan sizes up to £10 million+.
• Buy-to-Let Mortgages Finance for single rental units, HMOs, multi-unit freehold blocks and portfolios for limited company and individual investment landlords, including SPV structures.
• Bridging Finance Fast, flexible short-term lending for auctions, chain breaks, refurbishment, development exit and capital raising, with completions typically achieved in 3–21 days. Flexible terms of 1–24 months.
• Limited Company Buy-to-Let (SPV Specialists) Specialist buy-to-let mortgages for limited companies and special purpose vehicles, covering SPV purchases, remortgages, HMOs and multi-unit blocks for portfolio landlords.
• Sterling Bridging Finance Dedicated bridging sub-brand operated by UK Mortgage Finance Ltd, offering auction finance, commercial bridging, development exit finance, fast bridging, bad credit bridging, and unmortgageable property funding.

Quantifiable outcome

• Bridging completions in as little as 3 days (3–21 day range)
• +3 more outcomes

Named customers12 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

AI capability1 record

Feature2 records

Scale indicators6 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Better.co.uk: UK digital mortgage broker using technology to match borrowers to lenders; competes in the same intermediation space but with a broader consumer focus rather than specialist property investor focus.
• Private Finance: UK property finance broker arranging mortgages and bridging for professionals, investors, and high-net-worth clients; comparable specialist introducer model accessing multiple lenders.
• Habito: UK online mortgage broker offering whole-of-market lender comparison; a direct competitor in the technology-enabled brokerage model though more weighted toward residential customers.
• LendInvest: UK property finance platform combining short-term bridging and development lending with technology-led sourcing; comparable on the property investor/developer target market and use of technology for lender matching.
• Bluefish Finance: UK specialist mortgage and bridging broker operating on a whole-of-market basis; similar introducer model and complex-case focus as UK Mortgage Finance.
• John Charcol: Long-established UK specialist mortgage broker serving complex and high-value cases for professionals and investors; comparable to UK Mortgage Finance's senior-led specialist introducer model.
• SPF Private Clients: UK specialist property finance broker arranging commercial, buy-to-let, and bridging finance for investors and developers through a whole-of-market lender panel — closely aligned to UK Mortgage Finance's specialism and target segments.
• Haysto: UK mortgage broker specialising in complex cases such as adverse credit, self-employed borrowers, and unusual property — overlapping with UK Mortgage Finance's willingness to handle cases high-street lenders decline.

Broad incumbents

• Together Money: UK specialist lender offering bridging, buy-to-let, and commercial finance through intermediaries; comparable specialist property finance focus but as a balance-sheet lender rather than an introducer.

Emerging players

• Hope Capital: UK specialist bridging lender serving property investors and developers with short-term funding; operates on the same side of the market as UK Mortgage Finance but as a funder rather than a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 UK Mortgage Finance