Our Divisions
Financial Services.
The Financial Services Division provides mortgage and protection advice for home buyers, remortgagers and landlords. Through a growing network of advisers, it enables the Group to convert property transactions across the network into advice income.
c.300
Advisers in the UK
25,000
Mortgages arranged in 2025
£4.4bn
Mortgage lending arranged annually
Data relates to FY2025.
Scale, standing and two adviser models
Mortgage and protection advice at scale
Our Financial Services business helps customers arrange mortgages and protection products, supporting them through one of the most important financial decisions they make when buying a home.
Today, we have around 300 mortgage advisers across the business, and in 2025 we completed approximately 25,000 mortgages. We are the largest appointed representative of Mortgage Advice Bureau, which gives us significant scale and standing in the UK mortgage advice market.
We operate through two main adviser models. The first is our employed adviser network, where advisers work directly for us. The second is our network of business partners. These are entrepreneurial businesses which operate in a model with some similarities to our property franchise network. We provide them with compliance, technology and operational support and receive a share of the income they generate. This mix allows us to attract advisers on whichever model suits them.
What differentiates us from a standalone adviser business is distribution. The Group's network agreed 35,000 property sales last year, and many of those customers need a mortgage at the point they are dealing with one of our property businesses. We connect them in three ways: by placing advisers directly into franchisee branches, by taking referrals into our central hub, and by using our data and technology to reach customers at the right point in their property journey.
Scale in UK mortgage advice
Employed or business partner models
How the division earns
Commission income and a growing client bank
When a customer needs a mortgage, one of our advisers searches the market, recommends an appropriate product and supports the customer through the application process to completion. Our advisers can also help customers put appropriate protection in place, creating an additional source of income while supporting customers with their wider financial needs.
When that mortgage completes, we earn income from the lender and, where applicable, fees from the customer. We also earn commissions from the insurance companies providing protection.
A mortgage customer is not necessarily a customer for just one transaction. Mortgages mature, customers remortgage, people move home and their financial circumstances change. By building and retaining our client bank, we can support those customers again throughout their property journey, generating repeat mortgage business as well as opportunities to reassess their protection needs.
Three routes to growth
Driving sustainable growth
01
Increasing the number of productive advisers
The UK mortgage advice market remains highly fragmented, with a long tail of smaller adviser businesses. We are growing the network through selective recruitment and disciplined acquisition where businesses meet our financial and strategic criteria.
02
Increasing revenue per adviser
Supporting advisers with technology, lead generation tools and operational support, while increasing protection penetration.
03
Increasing customer penetration and lifetime value
Converting more of TPFG's existing property customers into mortgage and protection customers and retaining those relationships so we can support them again in the future.
Grow the core. Connect the Group. Expand the platform.
Our three-part Group strategy, and how each division delivers it.
Read our strategy