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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 home 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 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
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
Head of Products & Operations
7 years’ experience in Product and Operational Development. A qualified Medical Doctor and and Certified Scrum Product Owner (CSPO) with a Masters in Business Management.
James Scoon
Associate
Associate at Capita Scaling Partner and trainee accountant. Worked alongside Eliot for Market Mortgage since 2017. Mathematics, Oxford University.
Stuart Bell
Head of Technology
8 years’ experience with enterprise systems delivery. Associate Technical Director at Capita Scaling Partner.
Brian O'Neill
Head of Financial Modelling
Chartered accountant with 17 years’ experience. Head of Modelling at Capita Scaling Partner. Previously at KPMG and FRP Advisory.
Ciara Buckley
Senior Analyst
Cristian Florea
Analyst
Full-time analyst at Capita Scaling Partner and recent University of Bath graduate with finance and consulting experience.
Our Board and Advisors
Bill Gray
Chairman and Board Director
Previously Chief Credit Officer at Santander (CF28). Chair of Board Risk Committee (SMF 10), Wesleyan Bank.
Matt Bunn
Board Director
Partner, Capita Scaling Partner. 10 years’ experience in investment banking and strategic business development. Mathematics, Oxford University.
Ali Sayyah
Board Director
Corporate Development Director, Capita. 10 years’ experience in investment banking, subsequently 3 years’ experience in corporate development.
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
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
Adviser
Previously Director General at Council of Mortgage Lenders. Currently Board Member of the Regulator of Social Housing.
Our Partners
News
The House Builders’ Association backs Market Mortgage
Market Mortgage has been featured in the latest edition of the House Builders' Association magazine (page 95): “Why the HBA backs Market Mortgage’s 95% LTV mortgage scheme”. It is great to receive incredible support from UK home builders, as the Help to Buy Scheme...
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...
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....
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