beagle finance

What beagle finance does

Beagle Finance, trading style of Simple Financial Planning Ltd, is a UK-based secured-loan brokerage operating from Glasgow under FCA authorization (reg: 617941) and ICO registration (reg: ZA027026). The company intermediates between UK homeowners and a panel of lenders, offering seven product lines spanning secured loans, second-charge mortgages, bad credit loans, debt consolidation loans, home improvement loans, homeowner loans, and home equity loans, with loan sizes from £10,000 to £1,000,000 over terms of 36 to 360 months. Its primary customer base is UK homeowners seeking property-backed finance for purposes such as debt consolidation, home improvement, and property purchase, with a secondary segment targeting borrowers with challenging credit histories who are underserved by mainstream lenders.

The business operates on a broker-fee revenue model, earning a £1,000 broker fee per completed loan (plus a £595 lender fee passed through), illustrated by a representative 5.6% variable rate / 9.3% APRC example on a £10,000 10-year loan, with a maximum APR of 65.2%. There is no proprietary technology stack — the platform is a static WordPress-style website (beaglefinance.me) with an online quote form and a content/FAQ layer, supplemented by phone-based advisory sales (0141 648 5588) with named advisors (Mike, Stephen, Elaine, Calum, Denny referenced in Feefo reviews). Go-to-market is sales-led, combining inbound digital lead capture with phone-based conversion, and trust signals are generated through Feefo verified 5-star customer reviews.

The firm is a micro-operation of 1–10 employees, privately held with no disclosed external funding, no M&A activity, no subsidiaries, and no public listing. It has operated continuously since its 2013 incorporation, with no disclosed leadership changes, restructuring events, or geographic expansion beyond the UK market. There are no AI/ML capabilities, APIs, integrations, or patents disclosed in the source data.

Name

beagle finance

Legal name

Simple Financial Planning Ltd

Website

https://beaglefinance.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Beagle Finance is a UK FCA-authorised, Glasgow-based secured-loan brokerage (trading style of Simple Financial Planning Ltd) that matches UK homeowners — including those with bad credit — to a panel of lenders offering £10k–£1M loans across seven property-backed product lines, earning broker fees on completed placements.

Ownership category

akta.pro rank

Product category

Loan Brokerage

NAICS

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

SIC

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

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE)

Keywords

• Secured loan broker
• Homeowner loans
• Debt consolidation loans
• Second-charge mortgages
• Bad credit loans

Headquarters

HQ city

Glasgow

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Fees: Beagle Finance earns revenue through broker fees charged on completed loans. Based on the representative example, a broker fee of £1,000 is added to loans, in addition to a lender fee of £595. As a broker, they facilitate connections between customers and lenders, earning commissions or fees from successful loan placements.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Beagle Finance is a UK secured loan broker that introduces homeowners to property-backed lending products from a panel of lenders, including second-charge mortgages, debt consolidation loans, home improvement loans, home equity releases, and loans for applicants with bad credit. The firm does not lend its own funds; instead it collects customer details, assesses eligibility, and routes applications to appropriate lenders on the panel. Its proposition is positioned around inclusivity for complex or adverse-credit cases that mainstream lenders typically decline.

Product overview

Beagle Finance is a financial broker (not a lender) that helps customers find the best provider for a range of secured financial products. The company operates as a trading style of Simple Financial Planning Ltd and offers a portfolio of loan products including Secured Loans, Second-Charge Mortgages, Bad Credit Loans, Debt Consolidation Loans, Home Improvement Loans, Homeowner Loans, and Home Equity Loans. The products enable customers to borrow against property value for purposes ranging from home improvements through to debt consolidation, with loan amounts from £10,000 to £1,000,000 and terms from 36 to 360 months.

Differentiator

Problem solved

Functional benefit

Products and services

• Secured Loans Brokered property-secured personal loans for UK homeowners, arranged through a panel of lenders, including cases involving adverse credit that mainstream lenders may decline.
• Homeowner Loans Loans secured against the borrower's home, arranged via Beagle Finance's lender panel for owner-occupier borrowers in the UK.
• Second-Charge Mortgages
• Loans for Bad Credit
• Debt Consolidation Loans Property-secured loans used to consolidate existing unsecured debts into a single repayment, arranged via Beagle Finance's lender panel for UK homeowners.
• Home Improvement Loans
• Home Equity Loans

Quantifiable outcome

• 9.3% APRC representative for secured loans

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights3 records

Direct peers

• Better.co.uk: UK online mortgage broker offering residential and remortgage products with FCA regulation. Comparable as a digital-first UK mortgage intermediary serving homeowners.
• Fluent Money: UK secured loan and homeowner loan broker offering £10k–£500k loans across mainstream and adverse credit profiles. Direct competitor to Beagle on product mix, broker model, and target homeowner segment.
• Evolution Money: UK specialist secured loan broker focused on homeowners with adverse or non-standard credit histories. Closely matches Beagle's bad-credit, homeowner-secured loan niche with similar broker intermediation model.
• Norton Finance: UK loan broker offering secured, unsecured, and guarantor loans with strong presence in the homeowner and bad-credit segment. Directly comparable on broker model, customer profile, and product breadth.
• EveryLend: UK secured loan broker connecting homeowners with lenders for first-charge, second-charge, and debt consolidation borrowing. Comparable broker intermediation model with overlapping product range.
• Habito: UK digital mortgage broker offering residential and later-life lending products. Comparable as a UK mortgage intermediary, though more digital-led and focused on mainstream rather than bad credit.
• London & Country Mortgages (L&C): One of the UK's largest mortgage brokers, offering whole-of-market residential, buy-to-let, and second-charge mortgage advice. Comparable broker intermediation model across secured property lending.
• Trussle: UK mortgage broker using technology to match borrowers with lenders. Overlaps with Beagle on homeowner lending intermediation, though focused more on first-charge mortgages than bad credit.

Broad incumbents

• Mortgage Advice Bureau: Largest UK mortgage broker network with a national adviser base across residential, buy-to-let, and protection. Overlaps with Beagle on secured property lending intermediation but operates at much greater scale and breadth.

Emerging players

• MoneySupermarket Group: UK price-comparison platform expanding into mortgage and loan intermediation. Adjacent competitor to Beagle's funnel, representing the digital aggregation channel that could compress broker margins over time.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/beagle-finance-ltd

Revenue estimate

Valuation estimate

Number of profiles

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 beagle finance