UK Mortgage Finance
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.
- Company typePrivate
- Founded2017
- HeadquartersSaltash, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
UK Mortgage Finance firmographics
Firmographics- 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
UK Mortgage Finance industry classification
Industry- 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
Where UK Mortgage Finance is headquartered
LocationHeadquarters
- HQ city
- Saltash
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
UK Mortgage Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Commercial Mortgages — Portfolio & Large Loans (£1m+) |
| Other | Pay-as-you-go | Commercial Mortgages — Owner-Occupied |
| Other | Pay-as-you-go | Commercial Mortgages — Semi-Commercial / Mixed Use |
| Other | Pay-as-you-go | Buy-to-Let — Standard |
| Other | Pay-as-you-go | Buy-to-Let — Limited Company / SPV |
| Other | Pay-as-you-go | Buy-to-Let — Portfolio Landlords |
| Usage-based | Pay-as-you-go | Bridging Finance — Unregulated Residential Investment |
| Usage-based | Pay-as-you-go | Bridging Finance — Development Exit |
| Usage-based | Pay-as-you-go | Bridging Finance — Refurbishment |
| Usage-based | Pay-as-you-go | Bridging Finance — Commercial |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
UK Mortgage Finance product offering
Product offeringCore 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
Companies that use UK Mortgage Finance
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles4 records
UK Mortgage Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature2 records
UK Mortgage Finance partnerships and signals
Strategic signalScale indicators6 records
Recent moves4 records
Expansion highlights4 records
UK Mortgage Finance competitors and assessment
Company assessmentDirect 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
UK Mortgage Finance compliance and trust
Trust signalCompliance1 record
UK Mortgage Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
UK Mortgage Finance leadership team
Management profileNumber of profiles
Profiles5 records
UK Mortgage Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UK Mortgage Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UK Mortgage Finance
What does UK Mortgage Finance do?
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.
Is UK Mortgage Finance a public or private company?
UK Mortgage Finance is a private company. It is classified as family owned and is currently operating.
When was UK Mortgage Finance founded?
UK Mortgage Finance was founded in 2017. It employs 1 to 10 people.
Where is UK Mortgage Finance based?
UK Mortgage Finance is headquartered in Saltash, United Kingdom, in the Europe region.
How does UK Mortgage Finance make money?
Two revenue lines are on record. Lender Commission / Procuration Fees are the primary driver. The others are client Fees.
Who are UK Mortgage Finance's main competitors?
Direct peers on record are Better.co.uk, Private Finance, Habito, LendInvest, Bluefish Finance, John Charcol, SPF Private Clients and Haysto. Together Money is listed as a broad incumbent. Hope Capital is listed as an emerging player.
Does UK Mortgage Finance have an API?
No public API is recorded for UK Mortgage Finance.
What industry is UK Mortgage Finance in?
UK Mortgage Finance's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms, with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6163.