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Mortgage Lending Companies in Sheffield: 50 Active Firms (2026)
Mortgage lending companies arrange, broker or fund property loans for households and businesses in the Sheffield city region.
Buying activity centres on adviser-led origination, lender-panel access, underwriting support and servicing of secured property finance. Customer demand appears split between household borrowers, landlords and smaller businesses that need a local intermediary rather than a direct-only lender relationship. Sales cycles tend to be trust-led and referral-heavy, with property professionals and other advisers acting as repeat introducers. Engagements are usually case-based: single-property purchases and remortgages at one end, with landlord portfolio or business-property finance at the other. The commercial shape is small to lower-mid-market, with lean teams rather than large branch networks.
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Sheffield has 50 actively trading mortgage-lending companies, a compact city-region cohort rather than a national-scale cluster. Reported headcount totals 222 people, which fits a market of advice-led, broker-led and administration-heavy firms rather than branch-heavy balance-sheet lenders. 3 companies report turnover above £5M, so revenue concentration sits with a small upper band. 20 firms were incorporated since 2022, suggesting a sizeable recent-entry layer alongside older local intermediaries. The result is a market where reported scale exists, but most firms appear closer to local or regional specialist operations than national lending platforms.
Mortgage advice, credit broking and lending permissions shape how these firms operate. The practical constraints are less about product novelty than evidencing affordability, suitability, disclosure and complaints handling across each borrower journey. Broker-led businesses also depend on panel access, referral quality and the ability to package cases cleanly for lenders, which can make experienced advisers harder to displace. Where firms touch landlord, business or second-charge work, the boundary between consumer protection and commercial credit becomes operationally important, particularly in record-keeping and customer communications.
The cohort appears likely to evolve through steadier intermediation, compliance-led administration and selective consolidation rather than through a wave of new balance-sheet lenders. Younger entrants may continue to find room around specialist borrower segments, but scale tends to require lender relationships, case-flow consistency and process discipline as much as local demand. Scarcity of larger revenue firms points to a market where many operators remain adviser-led boutiques. Pressure on documentation, affordability assessment and customer communications should favour firms that can industrialise back-office work without losing referral-based origination.
50
Active firms
2026
3
Over £5M
annual revenue
20
Since 2022
incorporated firms
Key facts
About 6% of the trading cohort reports turnover above £5M (3 of 50 firms) — the rest sits below that revenue band.
40% of the cohort was incorporated since 2022 (20 firms), so a sizeable share is in its first few filing cycles.
The Sheffield city region market covers both household borrowing and business property finance, rather than a residential-only niche.
Property-finance activity is split between arranging advice, broking introductions and funding loans, so like-for-like comparisons depend on each firm’s role in the transaction.
Adviser-led brokerage and lending-led structures tend to have different operating models, which affects how researchers should read the market.
Top Sheffield Mortgage Lending companies
Friends Capital Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advice services for homebuyers, remortgaging and buy‑to‑let clients. Arranges specialist mortgages including self‑employed and bad credit cases, and offers insurance…
Serves consumers across Sheffield and the UK, including first-time buyers, home movers, remortgagers, buy-to-let landlords, over-50s, self-employed borrowers, people with bad credit, and clients…
Financial Health
StableStable · -11% CAGR over 4y
Location
Endurance Financial Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage advice and brokerage for homebuyers, remortgages, and self‑employed applicants. Also advises on protection insurance, investments, and pensions, assessing client needs, researching…
Serves UK-based consumers, particularly in Sheffield, including first-time buyers, home movers, remortgagers, self-employed people and company directors seeking mortgage, insurance, investment or…
Financial Health
HealthyHealthy · Hiring · 10% CAGR over 2y
Location
Optimum Commercial Solutions Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsActs as a credit broker arranging business finance for companies, including commercial mortgages, development finance, bridging loans, asset finance, invoice finance, corporate finance and unsecured…
Serves businesses and property developers seeking commercial finance, including commercial mortgages, development funding, business loans, invoice finance, asset finance and turnaround funding.
Financial Health
StrongStrong · -3% CAGR over 4y
Location
Keypoint Mortgage Solutions Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
789 Investments Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · Hiring · 19% CAGR over 4y
Location
LATIMER FUNDING LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed
Location
Maven Financial Group Limited
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable · 0% CAGR over 1y
Location
Matharu Finance Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable
Location
Trusted Mortgage & Protection Advisors Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides mortgage brokerage and protection insurance advice for homebuyers, remortgaging clients and buy‑to‑let investors. Assists with mortgage applications, compares lenders and advises on life…
Serves consumers in Rotherham seeking mortgage and protection advice, including first-time buyers, home movers, remortgagers and families, plus buy-to-let property investors and business owners…
Financial Health
WeakWeak · 0% CAGR over 1y
Location
A SHADE GREENER (F16) LLP
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides commercial finance to businesses, including property‑secured bridging loans, revolving credit facilities and working capital funding, and offers capital and advisory support for business…
Serves UK businesses seeking £500k-£7m property-secured commercial finance, including firms needing bridging capital, revolving credit, working capital, or turnaround and restructuring support.
Financial Health
StrongStrong
Location
RATTAN UK LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services, arranging residential, remortgage, buy‑to‑let, and specialist mortgages through lenders. Also assists with capital raising, property portfolio…
Serves UK homebuyers, remortgagers, first-time buyers, homeowners raising capital, buy-to-let landlords and property investors, including clients with complex mortgage needs such as self-employed,…
Financial Health
WeakWeak · 0% CAGR over 1y
Location
Scholes Financial Management Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides independent financial advice including mortgage brokerage, business loans, and insurance products. Arranges buildings, contents and landlord insurance, tenant cover, life insurance, critical…
Serves consumers and small business clients, including homeowners and buyers arranging mortgages, landlords and tenants needing property insurance, and individuals seeking life, critical illness or…
Financial Health
StableStable · 0% CAGR over 4y
Location
JSH Mortgage Solutions Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
WeakWeak · 0% CAGR over 1y
Location
ORTUS SECURED FINANCE III LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides secured property finance, offering residential and commercial bridging loans, high‑value single‑unit development finance, development exit loans, stabilisation loans, and commercial…
Serves mortgage brokers and property borrowers across the UK, including investors, developers and owner-occupied businesses seeking residential or commercial bridging finance and mortgages.
Financial Health
HealthyHealthy · 0% CAGR over 4y
Location
TFG CAPITAL LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides short-term secured lending including bridging loans, property acquisition and development finance, and business cashflow loans. Finance is typically secured against residential or commercial…
Serves property investors, developers, SMEs and business owners seeking secured short-term funding, alongside brokers and introducers placing bridging, development, refinance and cashflow cases.
Financial Health
StrongStrong · Growing, Hiring · 7% CAGR over 3y
Location
A SHADE GREENER FINANCE F1 LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides commercial finance to businesses, including property-secured bridging loans, revolving credit facilities, and short-term working capital. Also offers funding and support for business…
Serves UK businesses with property assets seeking £500k-£7m commercial funding, including companies needing short-term capital, revolving credit, working capital, or recovery and restructuring…
Financial Health
StrongStrong
Location
THE MORTGAGE SHOP (CHAPELTOWN) LTD
Trajectory
2y · 2024–NowProvides mortgage brokerage services, advising clients on residential and buy‑to‑let mortgages, remortgaging, and home purchase financing. Assists with lender applications and offers advice on…
Serves consumers and landlords, including first-time buyers, home movers, remortgagers, new-build and self-build purchasers, later-life borrowers, and buy-to-let investors.
Financial Health
Insufficient historyInsufficient history
Location
Norton Finance
Acts as a credit broker arranging secured loans, personal loans and remortgage products. Compares lending options from multiple lenders and assists customers with applications for debt consolidation,…
Serves consumers and homeowners seeking secured or unsecured loans, remortgages, debt consolidation and finance for major purchases, including borrowers with bad credit, self-employed applicants,…
Location
Norton Finance
Acts as a credit broker arranging secured loans, personal loans and remortgages. Compares products from multiple lenders and assists customers with applications for debt consolidation, home…
Serves consumers and homeowners seeking personal, secured and remortgage finance, including borrowers with bad credit, self-employed applicants, landlords, property developers and small business…
Location
Whittlestone Financial Services Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed · 0% CAGR over 1y
Location
JD Mortgage Solutions Ltd
Trajectory
3y · 2024–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
HealthyHealthy · 0% CAGR over 2y
Location
Paul Andrews Financial Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
ACCESS MONEY (GROUP) LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial advice services, including arranging residential and buy‑to‑let mortgages, remortgages and product transfers. Also offers secured homeowner loans, equity…
Serves UK consumers, mainly homeowners, homebuyers, remortgagers, landlords and property investors, including borrowers with adverse credit and older homeowners considering equity release.
Financial Health
StrongStrong · Hiring · 41% CAGR over 4y
Location
Mallard Mortgages Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services, specialising in mortgages for self‑employed borrowers and individuals with adverse credit. Assists with first‑time buyer, remortgage, buy‑to‑let and…
Serves UK homebuyers and property owners, especially self-employed borrowers and people with adverse credit, plus first-time buyers, movers, remortgagers, buy-to-let landlords and protection…
Financial Health
StrongStrong · Growing, Hiring · 26% CAGR over 4y
Location
JMG Brokers Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable · 0% CAGR over 1y
Location
BEESPOKE MORTGAGES LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StableStable · 0% CAGR over 3y
Location
RCM Advice Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
H&L MORTGAGE SOLUTIONS LTD
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
Custom Business Finance Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsArranges commercial finance for businesses, including asset finance, business loans, property and development funding, invoice discounting and working capital facilities. Advises on restructuring and…
Serves UK businesses of all sizes, from start-ups and owner-managed SMEs to large corporates and PLCs, across a broad range of sectors and industries.
Financial Health
WeakWeak · Hiring · 12% CAGR over 2y
Location
BELIEVE LOANS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · Hiring · 29% CAGR over 4y
Location
Broadway 46 Limited
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable · 0% CAGR over 1y
Location
ANDY HALL MORTGAGES LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong · Growing, Hiring · 22% CAGR over 2y
Location
Mortgages Re-Mortgages Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
WOODHEAD MORTGAGE SERVICES LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
DistressedDistressed · 0% CAGR over 3y
Location
Scion Mortgages Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StableStable
Location
No12 Business Consultancy Ltd
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
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How Sheffield Mortgage Lending companies work and how to sell to them
What they do
Revenue usually comes from procuration fees paid by lenders, advice or broker fees charged to borrowers, arrangement fees on specialist property finance, and ongoing servicing income where firms administer loans or portfolios. Most Sheffield mortgage-lending firms are not selling software or physical goods; they sell regulated advice, case packaging, lender access and execution across a property transaction. Pricing is typically tied to the case, with fee income crystallising at completion, so cash flow depends on application quality, lender turnaround and conversion rather than simple lead volume. Firms with funding capacity may also earn interest margin, but adviser-led intermediation appears the more common model.
Who they sell to
Typical customers are households buying or remortgaging homes, landlords refinancing or expanding portfolios, and smaller businesses using property as security. The decision-maker is often the borrower, but introducers matter: accountants, estate agents, conveyancers and property advisers can shape the shortlist before a customer speaks to a broker. Commercial cases usually involve an owner-manager, finance director or external adviser; larger property investors may bring in procurement-style comparisons, though formal RFPs are less common than relationship-led selection. Sales cycles tend to run from a few weeks for standard cases to several months where income, valuation or title work is more complex.
What they buy
Most mortgage-lending firms tend to spend on systems that reduce re-keying and protect the evidence trail around each recommendation. Useful categories include CRM, broker case-management, lender sourcing, secure document capture, e-signature, call recording, compliance monitoring, complaints handling, commission reconciliation and accounting. They may also buy consumer-lead generation, referral-partner management, website and local search work, plus outsourced paraplanning, packaging or administration when case volumes outstrip adviser capacity. For smaller Sheffield teams, integration and support usually matter as much as feature breadth, because a tool that slows advisers down can damage completion rates and introducer relationships.
Why and how to sell to them
Mortgage-lending buyers tend to evaluate suppliers when lender criteria change, referral flow picks up, arrears or complaints work consumes adviser time, or a firm moves into landlord, second-charge or business-property cases. Other triggers include adviser hiring, new panel access, a change in compliance leadership, office expansion around Sheffield, or a backlog in document collection and suitability checking. Outbound tends to work when it is tied to operational evidence: shorter packaging time, fewer missing documents, cleaner audit trails, faster commission reconciliation or higher conversion from referred enquiries. Generic growth claims are less persuasive than showing how a seller reduces friction between borrower, adviser, lender and conveyancer.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
Also in Sheffield
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Frequently asked questions
How many mortgage lending companies are there in Sheffield?
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How does Sheffield mortgage lending compare internationally?
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