Our Portfolio

Pivotal Growth has worked hard over the last few years to bring together this powerful group of businesses, complimenting each other in the mortgage and protection arena and creating a platform for mutual business reciprocation.

Within the current group we have vanilla mortgage advisors and protection advisors, self-employed specialists, business protection experts, new build specialists, complex buy to let advisors, second charge experts as well as competitive buildings insurance advisors.

Financial Brands

Combined Turnover

£ 0 m+

Staff

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Advisers

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Lifetime Finance Group

Based in Glasgow, Lifetime Finance Group offers specialised mortgage and insurance advice throughout the UK, focusing on helping contractors, self-employed individuals, and clients in complex financial situations secure the right products for their needs.

Grange Mortgage & Protection Services

Located in Northampton, Grange Mortgage & Protection Services is an award-winning brokerage that offers impartial mortgage and insurance advice, specialising in new build mortgages, buy-to-let, and remortgaging services.

The Buy to Let Broker

The Buy to Let Broker is a 5* rated specialist mortgage brokerage that provides expert advice and personalised support for property investors, focusing on complex buy-to-let, limited company, bridging finance, development finance, MUFB and HMO mortgages. With a HQ in Southport, the team support investors across the UK.

The Loan Partnership

The Loan Partnership is a Hemel Hempstead based specialist finance broker offering expert advice on second charge mortgages, bridging finance, development finance, and commercial finance, helping borrowers and professionals secure tailored financial solutions from a wide panel of lenders across the UK.

Mortgages First

Based in Colchester, Mortgages First provides personalised mortgage advice, specialising in first-time buyers, remortgaging, buy-to-let, and protection services, helping clients find the right financial solutions across the UK.

Insurance First

Insurance First, based in Colchester, provides tailored insurance solutions specialising in home, life, and business coverage, helping clients across the UK protect their assets with personalised policies. Insurance First works in partnership with Mortgages First to provide an enhanced offer.

RSC New Homes

RSC New Homes, a UK-based mortgage specialist, offers expert guidance and tailored solutions for securing the best mortgage options for new construction properties. Their comprehensive services aim to simplify the home financing process and ensure clients find the ideal mortgage to suit their needs.

Embrace Financial Services

Embrace Financial Services, based in Exeter, provides expert mortgage and protection advice to help clients achieve their financial goals. They offer tailored solutions for first-time buyers, remortgagers, and property investors across the UK with a strong commitment to personalised service.

First2Protect

First2Protect, headquartered in York, specialises in providing comprehensive home and property insurance solutions to customers nationwide. Their expert team delivers personalised policies for homeowners, landlords, and tenants, ensuring tailored coverage to meet individual needs.

Select Mortgages & Financial Solutions

SELECT Mortgages and Financial Solutions, based in Northern Ireland, provides expert mortgage advice to help clients navigate the home-buying process. They also offer a wide range of financial services tailored to meet the specific needs of property investors and homeowners.

Select Insurance

SELECT Insurance, based in Northern Ireland, offers a wide range of insurance products designed to protect homes, vehicles, and businesses. With a focus on personalised service, they provide tailored coverage to meet the unique needs of individuals and companies across the region.

John Charcol

John Charcol, a leading UK-based mortgage broker with offices in London, Southampton and Birmingham, provides expert advice to help clients find the best mortgage deals suited to their individual needs. With over 45 years of experience, they specialise in offering tailored solutions for first-time buyers, remortgagers, and property investors.

Charleston Financial Services

Charleston Financial, a trusted Milton Keynes based firm, is dedicated to helping clients turn their financial dreams into reality with expert guidance. From smart investment strategies to tailored portfolio investment plans, their team ensures every client receives the advice and support they need to thrive financially.

Morrison Ward Associates

Morrison Ward Associates, a distinguished financial advisory firm, delivers bespoke financial solutions tailored to each client’s unique needs. With a focus on holistic wealth management, they offer expert guidance on investments, retirement planning, and financial strategies to help clients achieve their long-term goals.

Watts Commercial Finance

Watts Commercial Finance, based in Nantwich, Cheshire, is a multi-award-winning brokerage specializing in tailored commercial finance solutions for businesses across the UK. With a team of over 40 experienced professionals and access to an extensive panel of lenders, they pride themselves on delivering exceptional service and securing the best funding options for their clients.

Radcliffe & Newlands Mortgages Limited

Nationwide reach, personalised expertise, and a commitment to financial education for employees of their corporate clients. Radcliffe & Newlands Mortgages works with HR and employee benefits teams to deliver a complete package of mortgage education and guidance. They back this up with fee-free mortgage advice for all members of the firm.

Business Protection Solutions Ltd

Business Protection Solutions (UK) Ltd, based in Moira, Northern Ireland, specialises in life, illness, and health insurance solutions tailored to both individuals and businesses. Established in 2010, their dedicated team focuses on delivering personalised advice and exceptional service to ensure clients’ financial peace of mind.

More Choice Financial Limited

More Choice Financial Limited, based in Flitwick, Bedfordshire, is a financial services brokerage providing tailored mortgage and protection advice to clients across the UK. With a small, experienced team, they are committed to offering personalised solutions and clear guidance to help clients make confident financial decisions.

McPolin Financial Services Limited

McPolin Financial Services Limited, headquartered in Banbridge, provides comprehensive advice on mortgages, protection, and retirement planning to individuals and families across Northern Ireland. Known for their personal approach, the team is dedicated to guiding clients through life’s key financial decisions with clarity, care, and long-term support.

Believe Money Group

Believe Money Group is an award-winning UK-based finance broker, established in 2017, that specialises in mortgages, unsecured loans, and protection products, with a strong focus on supporting people with diverse credit histories. Their mission is to simplify borrowing and ensure every client can access the right financial solution with confidence.

Xact Mortgages

Xact Mortgages was founded in 2007 with the goal of providing tailored mortgage solutions for a wide range of clients. The company is based in Solihull, West Midlands, and has built a reputation for its expertise in both residential and new-build mortgages.

CLS Money

CLS Money, based in Essex, is one of the UK’s most respected specialist mortgage brokerages, built on more than a decade of deep technical expertise and exceptional lender relationships. Renowned for its ability to navigate complex and adverse credit cases with precision, CLS Money has earned a reputation for consistently high standards and trusted advice.

Simply Lending

Simply Lending, headquartered in Essex, has established itself as a leading force in specialist lending through sustained performance, specialist knowledge and a relentless focus on adviser and client outcomes. With a long track record of building trusted lender partnerships and investing in innovation, Simply Lending is recognised as a high-quality, forward-thinking brokerage.

Purely Financial Planning

Purely Financial Planning is a Walton-on-Thames based mortgage broker and protection specialist, built on a foundation of personalised advice and genuine client care. With a small team that brings decades of combined experience across mortgages and protection, the firm has earned a reputation for treating every client as an individual and delivering outcomes that make a real difference.

KMC Financial

KMC Financial is a Sussex-based independent mortgage broker offering whole-of-market advice across a broad range of lending needs, from first-time buyers through to commercial and property development finance. With a client-first approach built on honest advice, long-term relationships, and specialist expertise including the HMO market, KMC Financial is committed to finding the right solution for each client’s individual circumstances.

Accelerated Growth

Our Investment Timeline

We prioritise companies with innovative solutions, strong leadership, and market disruption potential, ensuring long-term value creation.

2021

We acquired

2022

We acquired

2023

We acquired

2024

We acquired

2025

We acquired

Watts Commercial Finance
Radcliffe & Newlands Mortgages
Business Protection Solutions Ltd
More Choice Financial Limited
McPolin Financial Services Limited
Believe Money Group
Xact Mortgages

2026

We acquired

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Testimonials

First-hand Experiences of Our Shared Success

"Now we are post 2 years since our acquisition date, it is fair to say that Simon and the team have been true to their word, we have still retained control of our business and continue make the day to day decisions. We have been encouraged to use our skill sets to continue to grow, whilst benefiting from corporate relationships that we would have never accessed. We now share best practices with other Pivotal Business leaders and are benefiting tried and tested processes that already exist within other group companies that will help us on our growth journey. Not a decision regretted."

Daniel Mumford

Managing Director, Grange Mortgages

"RSC joined the Pivotal Group in January 2023, Simon and his team have all been fantastic in helping us in every aspect to enhance and grow our business."

Alison Winterburn

Managing Director, RSC New Homes

"Joining Pivotal has transformed the First2Protect business within just 12 months! Partnering with likeminded firms within group, sharing best practice & ideas has enabled F2P to identify new opportunities & distribution. Simon & the team encourage an entrepreneurial mindset and have been supportive of new investment to support our exciting growth plans."

Mark Batten

Director, First2Protect

"Since joining Pivotal Group, we have already begun to experience the advantages of the group's integrated product ecosystem. Our team now enjoys enhanced knowledge-sharing and the ability to expand our product offerings, allowing us to deliver a comprehensive service through the diverse expertise and specialties within the group. The transition has been seamless, with no disruption to Charleston's operations, and it has unlocked significant growth opportunities for us."

James Hardwick

Managing Director, Charleston Financial

“Since joining Pivotal Growth in 2021 we’ve been able to open up some inter-company referral arrangements which have helped our bottom line here at the Lifetime Finance Group. We’ve also been able to get valuable insights into other niches within the Mortgage and Protection market that may assist growth going forward too”.

Gordon Hunter

Group Managing Director, Lifetime Finance Group

"We joined the Pivotal group in November 2022, our business is getting stronger with the support of our group peers and it is great to be able to share best practice and get support from the group who are like minded and share the same goals and objectives. Simon, Jeremy & Jane have made our journey a very welcome one and continue to support us whenever required."

Sarah Gaffney

Director of Operations, The Loan Partnership

"Having joined the Pivotal stable in July of 2022, the support and guidance of Simon, Jeremy, and Jane has been absolutely instrumental. The commercial opportunities have increased significantly since joining the group, with the facilitation of wider corporate relationships, greater distribution channels through the dissemination of our specialist services within group, and the additional revenue generated through having access to the wider Pivotal ecosystem, the latter enabling us to offer a more comprehensive offering for our clients through trusted group partners. The Buy to Let Broker has also benefitted from considerable economies of scale, and has grown from working in tandem with some of the industry’s most dynamic, charismatic, and entrepreneurial minds."

Matthew Rowne

Director, The Buy to Let Broker

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If you would like to speak to a member of our senior management team about potential collaboration or have any questions, get in touch

Our Portfolio

Lifetime Finance Group

Grange Mortgage & Protection Services

The Buy to Let Broker

The Loan Partnership

Mortgages First

Insurance First

RSC New Homes

Embrace Financial Services

First2Protect

Select Mortgages & Financial Solutions

Select Insurance

John Charcol

Charleston Financial Services

Morrison Ward Associates

Watts Commercial Finance

Radcliffe & Newlands Mortgages Limited

Business Protection Solutions Ltd

More Choice Financial Limited

McPolin Financial Services Limited

Believe Money Group

Xact Mortgages

CLS Money

Simply Lending

Purely Financial Planning

KMC Financial

Our Investment Timeline

First-hand Experiences of Our Shared Success

Realise Your Full Potential

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