Mortgage Broker — Business Valuation Multiple
EBITDA Valuation Guide · Small & Mid-Sized Businesses
Actual EBITDA multiples can vary materially based on EBITDA size, growth, recurring revenue, margins, customer concentration, owner dependence, geography and other company-specific factors.
Min
3×
Typical
4.5×
Max
6×
Revenue Model
Transactional
Capital Intensity
Low
A typical multiple of 4.5× EBITDA reflects mid-market transactions in the $1–$50M revenue range.
Overview
Mortgage brokerages typically trade at 3×–6× EBITDA. Recurring procuration fees from lender panels and remortgage pipelines provide revenue predictability. Businesses with a strong referral network, protection and general insurance cross-sell capability, and a team of advisers beyond a single founder attract stronger multiples. Single-person operations or those heavily exposed to purchase activity rather than remortgage are more sensitive to interest rate cycles.
Key Value Drivers
- Recurring procuration fees from lender panels
- Remortgage pipeline providing repeat income
- Regulated with professional credibility
- Strong referral network
- Protection and insurance cross-sell revenue
Key Risks
- Interest rate sensitivity reducing purchase activity
- Housing market cyclicality
- Regulatory compliance costs
- Key introducer dependency
- Single-person business with no team depth
Related Industries
Disclaimer: All multiples are indicative estimates only and are not formal valuations or investment advice. They should not be relied upon for financial decision-making without independent professional advice.