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Unlocking homeownership for low deposit borrowers

Unlocking homeownership for low deposit borrowers

Unlocking homeownership for low deposit borrowers

Unlocking homeownership for low deposit borrowers

About Us

Reduced availability of 95% loan to value (LTV) mortgages is a key driver in declining home ownership rates across the UK. This makes it especially difficult for first time buyers, exacerbating intergenerational and regional unfairness.

Market Mortgage was founded in 2017 to tackle this issue. We make it easier for high street lenders to offer high LTV mortgages, giving creditworthy buyers access to the housing market when they can comfortably afford mortgage payments but just don’t have a big deposit.

By bringing together retail lenders with the financial backing of investment banks, we help high street mortgage lenders offer high LTV mortgages at scale, speed, and reduced risk whilst avoiding additional cost and risk to the taxpayer.

Alongside its key shareholder, Capita plc, Market Mortgage has developed the business into an attractive commercial proposition for mortgage lenders and investors. By removing the need for prohibitively high deposits, our market-based solution is built to enable homeownership for the next generation of first time buyers.

Market Mortgage is not a lender or a regulated credit broker.  Market Mortgage does not lend to or otherwise deal with mortgage borrowers.

Helping The Next Generation To Buy

Our market-based solution is built to enable homeownership for the next generation of first time buyers.

We help creditworthy buyers with low deposits

We ensure homeownership is based on prospects not parents

We reduce risk in the UK retail banking sector and avoid cost to the taxpayer

We offer speed and transparency so lenders can act with confidence and at scale

Our Team

Eliot Darcy

Eliot Darcy

Founder and CEO

Qualified as a Chartered Accountant at PwC. 11 years as an Investment Director at two venture capital funds.  Founded Market Mortgage in 2017.

Barbara Nnotum

Barbara Nnotum

Head of Operations

4 years’ experience in Operational development and management consulting. A qualified Medical Doctor with a Masters in Business Management.

 

James Scoon

James Scoon

Associate

Associate at Capita Scaling Partner and trainee accountant. Worked alongside Eliot for Market Mortgage since 2017. Mathematics, Oxford University.

Stuart Bell

Stuart Bell

Head of Technology

6 years’ experience in enterprise systems delivery and cloud technology. Associate Technical Director at Capita Scaling Partner.

Brian O'Neill

Brian O'Neill

Financial Modeller

Chartered accountant with 10 years’ experience. Head of Modelling at Capita Scaling Partner. Previously at KPMG and FRP Advisory.

Ciara Buckley

Ciara Buckley

Senior Analyst

Senior Analyst at Capita Scaling Partner. Previous experience with IBM and IHS Markit. Economics, Warwick University. 

Our Board and Advisors

Bill Gray

Bill Gray

Chairman and Board Director

Previously Chief Credit Officer at Santander (CF28). Chair of Board Risk Committee (SMF 10), Wesleyan Bank.

 

Matt Bunn

Matt Bunn

Board Director

Partner, Capita Scaling Partner. 10 years’ experience in investment banking and strategic business development. Mathematics, Oxford University.

Ali Sayyah

Ali Sayyah

Board Director

Corporate Development Director, Capita. 10 years’ experience in investment banking, subsequently 3 years’ experience in corporate development. 

Paul Matthews

Paul Matthews

Credit Risk Adviser

18 years in credit risk and data analytics. Previously at Experian and Euristix before founding Vestigo Partners. PhD in Probability, Warwick University.

David Stunell

David Stunell

Treasury Adviser

Non-Executive Director at Market Harborough Building Society and CFO of ALMA. Previously Treasurer of Royal Bank of Scotland Retail, Wealth and Corporate Banking.

Paul Smee

Paul Smee

Adviser

Previously Director General at Council of Mortgage Lenders.  Currently Board Member of the Regulator of Social Housing.

Our Partners

News

Market Mortgage has been featured in Mortgage Solutions

Market Mortgage has been featured in Mortgage Solutions, to highlight the launch its 95 per cent mortgage solution this summer.   Eliot Darcy, CEO at Market Mortgage, said: “This cash-based solution is easy for the lender and broker, because it’s built around the...

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Featured in the Telegraph

Market Mortgage has been featured in the Telegraph, as a private sector solution to fill the lending gap after Help to Buy. As the Help to Buy Equity Scheme is wound down, buyers will find it increasingly challenging to purchase a new build with only a 5% deposit....

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Please get in touch if you have a question or would like to know more about how we can help

Market Mortgage is an appointed representative of Resolution Compliance Ltd, which is authorised and regulated by the FCA, FRN 574048

Market Mortgage Ltd

Registered Company in England and Wales 10821229