We haven't built Yellow Brick Mortgages by trying to be the biggest mortgage broker. We've built it by trying to be the most trusted.
Founded in Norwich in 2018 by Stephen Perkins and Greg Marcham, after both spent years working within corporate financial services and became convinced there was a better way.
Greg Marcham (left) and Stephen Perkins, founders.
Years of combined experience
Advisers
Families helped
Mortgage lending arranged in 2025
Mortgages arranged in 2025
Five-star Trustpilot reviews
UK finance broker on Trustpilot
Estate agency partners
What started with two advisers in Norwich has grown into one of the UK’s most trusted mortgage brokers. Today more than 90 advisers help families across the country, we’ve guided over 20,000 of them into homes of their own, and in 2025 alone we arranged £887 million of mortgage lending. We’re proud of how far we’ve come, but even prouder that we’ve achieved it without compromising the principles the business was founded on.
Why Yellow Brick Mortgages exists
After spending years working within large corporate financial services businesses, we became convinced there was a better way to build a mortgage broker. Customer service was always talked about, but success was too often measured by numbers, sales targets and short-term performance. Those measures inevitably influenced behaviour and, in our view, didn’t always create the best outcomes for clients.
We wanted to build something different. A business where advisers were trusted to use their experience and judgement, where relationships mattered more than transactions, where communication was proactive rather than reactive, and where success meant more than simply increasing the bottom line.
Many people would probably have said that putting clients first, trusting advisers and measuring success differently would make it harder to build a successful business. We believed the opposite. We believed that putting clients first wasn’t a barrier to success. It was the reason success would follow.
We weren’t trying to reinvent mortgage advice. We were trying to build the kind of mortgage broker we’d want our own family to use.
That belief became Yellow Brick Mortgages.
We didn’t know whether Yellow Brick Mortgages would become a national business. What we did know was that if we stayed true to the principles we’d built it on, we’d always be proud of the company we’d created.
The principles we built the business on
From the very beginning, two principles shaped every decision we made.
The first was simple: deliver exceptional service.
The second was just as important: give something back.
They sound straightforward, but we’ve always believed they are the foundations of a business people can genuinely trust. In much the same way water and sunlight help something grow from the ground up, exceptional service and giving back create the conditions for trust to grow naturally over time. You can’t demand trust, advertise for it or simply claim it. You earn it through thousands of decisions, conversations and actions carried out consistently over many years.
Those two principles continue to guide Yellow Brick Mortgages today.
Service isn't what we say. It's what people experience.
Every mortgage broker will tell you they provide excellent customer service, so we’ve never believed we’re the right people to judge whether we’re living up to that promise.
Our clients and partners are.
That’s why independent reviews have always meant far more to us than any marketing campaign ever could. They aren’t there to tell people how good we think we are; they’re there to tell us whether we’re delivering the experience we set out to create.
Since 2018 we’ve helped more than 20,000 families secure their homes. Today we’re proud to be the UK’s #1 ranked finance broker on Trustpilot, with more than 7,000 five-star reviews, alongside thousands more on Google. We don’t see those reviews as trophies. We see them as independent evidence that we’re continuing to deliver on the promises we made when Yellow Brick Mortgages was founded.
A different kind of mortgage broker
One of the earliest decisions we made was not to give our advisers sales targets. That often surprises people, particularly in financial services, but to us it was simply the logical consequence of the type of business we wanted to build.
If you recruit experienced professionals, trust their judgement and genuinely expect them to do what’s right for their clients, there shouldn’t be any need to influence behaviour through arbitrary targets. We believe people produce their best work when they’re trusted, and our clients can have confidence that recommendations are based on what’s right for them rather than what helps somebody achieve a target at the end of the month.
Today our advisers have more than 2,000 years of combined mortgage and protection experience between them. We deliberately recruit experienced professionals because technical knowledge matters, but just as importantly because we want people who genuinely care about looking after clients.
Another lesson we learnt very early in our careers was that clients rarely become frustrated because a mortgage is complicated. More often, they become frustrated because they don’t know what’s happening. That’s why we’ve always believed communication should be proactive rather than reactive. Returning calls promptly, keeping people updated and working around our clients’ schedules isn’t an added extra to us. It’s simply the level of service we’d expect if we were the client ourselves.
We’ve never seen our role as persuading people to take out a mortgage. Our job is to help them make confident, informed decisions about one of the biggest financial commitments they’ll ever make. Sometimes that means recommending a mortgage. Sometimes it means recommending they wait. Either way, our responsibility is the same.
Where possible, you’ll deal with the same adviser throughout your journey, building a relationship with someone who understands your circumstances from beginning to end. We provide advice across the whole intermediary market for first charge mortgages, giving our advisers access to thousands of mortgage products from a wide range of lenders, while using technology to support those relationships rather than replace them.
Every interaction is another opportunity to earn trust.
Yellow Brick Mortgages today
- Whole intermediary market for first charge mortgages
- One adviser throughout
- No sales targets
- Evening & weekend appointments
- Independently owned
- Organically grown
Growing on our own terms
We’ve never chased growth for growth’s sake. We’ve always believed that if we focused on earning trust, the growth would look after itself.
Yellow Brick Mortgages remains independently owned and has grown organically without external investment.
That has always been a conscious choice.
We wanted to build a business whose future would be shaped by the people living its values every day, not by external investors who may have different priorities. Growing organically has allowed us to reinvest in our people, our technology and our service while making decisions based on what we believe is right for the long term rather than what delivers the quickest return.
When we’re faced with an important decision, we try to make the one that benefits everyone our business touches: our clients, our advisers, our colleagues, our introducers and our communities. We don’t always get everything right, but that principle has guided Yellow Brick Mortgages from the very beginning.
It’s why one of the phrases you’ll often hear us use is:
Independently owned. Organically grown. Built to last.
For us, that’s far more than a strapline. It’s a commitment to protecting the culture we’ve worked so hard to build.
Success beyond the balance sheet
Giving something back was never something we introduced once Yellow Brick Mortgages became successful. It was there from the very start. Before the business had even been incorporated, we’d already approached the charity partners we wanted to support, because we wanted giving back to be one of the foundations the company was built on, not something we got round to later.
That thinking has shown up in some unusual ways. When we introduced our tree planting initiative, we realised our earlier clients had missed out simply because we hadn’t thought of it yet. So rather than starting from that day forward, we went back and planted trees for every client we’d ever helped, because that’s what we would have done if the idea had come to us sooner.
That same commitment continues today. We’ve donated more than £240,000 to good causes, planted over 21,000 trees, invested more than £250,000 into grassroots sport and community sponsorship, and we provide fee-free mortgage advice to NHS workers as our way of saying thank you.
For us, success has never been measured only by what we achieve. It’s measured just as much by the positive impact we leave behind.
Creating positive impact
Donated to good causes
Trees planted
Grassroots & community sponsorship
Mortgage advice for NHS workers
Trust is reflected in the company we keep
One of the greatest compliments any business can receive is when somebody chooses to recommend it.
Today, more than 60 independent estate agency businesses trust Yellow Brick Mortgages with their clients and, just as importantly, with their own reputation. We never forget the responsibility that comes with every recommendation because we know our service reflects on them as much as it does on us.
We’re equally proud to be the Official Mortgage Partner of Norwich City Football Club. While partnerships like this naturally involve sponsorship, they aren’t built on sponsorship alone. They depend on shared values, reputation and trust. We’re proud that Norwich City has chosen Yellow Brick Mortgages as its Official Mortgage Partner, trusting us to look after its supporters with the same care, professionalism and commitment that underpin everything we do.
Our expertise is also regularly sought by national and regional media. Over the years we’ve been quoted by publications including the Financial Times, The Times, The Telegraph, Bloomberg, The Guardian, The Independent and the Mirror, helping explain what’s happening in the mortgage market and providing balanced commentary on the issues affecting homebuyers and homeowners.
Being quoted by national media has never been an objective in itself. It’s simply another reflection of trust. Journalists don’t repeatedly come back because a business is good at marketing. They come back because they know they’ll receive an honest, balanced and considered view.
We don’t take any of those relationships for granted. To us, they’re another sign that trust, once earned, brings with it a responsibility to keep earning it.
Transparency matters
We’ve always believed transparency builds confidence. Whether that’s explaining how a mortgage works, discussing fees, or simply keeping people informed throughout their application, we think people make better decisions when they have clear information.
We’ve always believed there should never be any surprises. If a fee applies to your case, we’ll explain it clearly before you decide whether to proceed, so you’ll always know exactly where you stand. We think that’s simply the right way to do business.
The people we serve tell our story best
In the end, we’re not defined by what we say about ourselves, but by what people experience when they deal with us. Whether it’s a client leaving a review, an estate agent trusting us with their reputation, a journalist asking for our view on the mortgage market or a family coming back to us years later, those are the moments that tell us whether we’re living up to the standards we’ve set ourselves.
Our clients, in their own words.
Trust isn’t something you earn once. It’s something you earn every day through every conversation, every recommendation and every interaction. That’s a responsibility we never take for granted, and one that continues to guide every decision we make.
We look forward to earning your trust and, more importantly, continuing to deserve it.