Services · Ecommerce development · Financial product marketplaces
Codeeo delivers financial product marketplace website development in Edinburgh for intermediaries, adviser networks, mortgage brokers and investment firms that want customers to compare products, choose a provider and pay for services in one place. We build the public marketplace, the provider portal and the admin that runs commission, payouts and complaints. Every calculator and every contract template is written for Scotland first, because a mortgage, a pension forecast or a set of terms that assumes English rules will mislead the very people an Edinburgh platform is meant to serve.
We have no Edinburgh office. Our team works with clients in the city remotely, and discovery, design reviews and acceptance testing all run by video call with your product, compliance and operations leads. That suits a regulated build well: every decision is written down, every demo is recorded, and your principal firm or compliance consultant can join any session without travelling.
200+ companies servedFrom a first store to an ADX listed developer
What we build in Edinburgh
Edinburgh has deep roots in life assurance, pensions and fund management, and many of the people using a marketplace here are saving for retirement, moving pension pots or buying a home under the Scottish system. That changes the product. Property purchases carry Land and Buildings Transaction Tax rather than Stamp Duty Land Tax. Scottish income tax bands differ from the rest of the UK, so take home pay and pension relief calculations must follow them. Contracts with Scottish consumers sit under Scots law and the Scottish courts.
Financial services marketplace platform development in Edinburgh therefore starts with the rules each product follows, then the providers who will list, then the customer. The features below are the ones we most often scope; discovery decides which belong in the first release and which can wait.
Mortgage affordability, LBTT, take home pay and pension contribution calculators use Scottish rates and bands when the customer lives or buys in Scotland, and UK rates elsewhere. Your team updates bands in the admin when budgets change, and every calculation is stored with the rate table that produced it, so a complaint can be answered with the exact figures the customer saw.
Customers see numbers that match their real tax position.
Customers search for independent financial advisers, mortgage brokers and protection specialists by need, fee model and meeting preference. Each listing shows the firm reference number, the permissions held and whether the adviser is restricted or independent. Firms manage their own profiles, and your moderators approve changes before they appear on the live site.
People choose an adviser on facts rather than on who spent most on adverts.
New providers are checked against the FCA Financial Services Register and Companies House before they can list. Permissions are recorded against each product category, so a firm cannot list mortgages if it only holds investment permissions. Scheduled checks flag any change in a firm's status and pause its listings until a reviewer has looked.
Only firms with the right permissions reach your customers.
A buyer bidding on a Scottish property often works to a closing date after an offers over listing. The pathway gathers the Home Report valuation, deposit and income once, matches the buyer with brokers who can act inside that timetable and keeps the solicitor's details on file for when missives are concluded.
Brokers receive buyers early enough to secure a decision in principle.
Tables compare platform charges, fund ranges, drawdown options and transfer terms using data supplied by providers through a feed or the portal. Charges are shown in full from the first screen, so nothing is added later. Customers can save a shortlist and book a call with a listed adviser before deciding.
Long term savers compare like with like before moving money.
Where advisers sell fixed fee services such as a pension review report, customers pay by card or pay by bank. Strong Customer Authentication runs through the payment provider, VAT is applied according to the treatment your accountant confirms for each service, and receipts and fee agreements are filed against the customer record.
Fee based advice can be bought online with a clear record.
Introducer fees, lead charges and commission from providers are recorded per completed case, reconciled against provider statements and paid out to partner firms on the schedule you set. Payment splitting runs through a regulated marketplace payment provider rather than your own bank account, which keeps you clear of holding client money.
Finance teams close the month without spreadsheets.
Customers raise a complaint about a listing, a fee or a provider in a short form. Each case is routed to the responsible firm with deadlines, final response letters are stored, and customers are told how to take an unresolved complaint to the Financial Ombudsman Service. Your team sees ageing cases on one screen.
Complaints are handled on time and on the record.
Many customers comparing pensions and annuities are older and some live with sight, hearing or memory conditions. We build to WCAG 2.2 AA, offer text resizing, plain explanations and save and return forms, and include a way to ask for support that feeds the vulnerability notes your firms keep under the Consumer Duty.
The platform works for the people most likely to use it.
Who this is for
A marketplace is only worth building when several providers want to reach the same customers and the operator can earn a fair fee for bringing them together. In Edinburgh that usually means firms near St Andrew Square, the Exchange District around Lothian Road or the offices at Edinburgh Park that already have provider relationships and want to move them online. These are the situations we see most.
Your network already passes leads between member firms by email and phone. A marketplace gives each member a profile, a pipeline and a fair rotation of enquiries, while the network keeps oversight of who received what and why. We build the routing rules your members agree, then the reports that show they are being followed.
Routing rules are agreed with members before design starts.
Firms with a strong client base often want to offer protection, mortgages or annuities from other providers without becoming experts in each. A marketplace lets clients compare those products inside your brand while the specialist provider handles advice and the contract, and you record introductions and the fees they earn.
Many early platforms operate as appointed representatives of a principal firm. That principal will want to approve financial promotions, review complaints and see management information. We build approval steps and reporting into the admin from day one, so your principal can supervise without asking for exports every week.
Your principal firm reviews the scope before build.
Edinburgh's competitive housing market rewards buyers who arrive at a closing date with finance lined up. A marketplace that connects buyers to brokers, surveyors and solicitors around one timetable, priced in a way buyers understand up front, fits the way homes are actually bought in Scotland.
How we work with you
Codeeo has delivered 200+ projects across the UAE and the US, with a team of 80+ across Dubai, Riyadh and Karachi, and we are rated 4.7 from 23 Google reviews. For Edinburgh clients everything runs by video call and shared workspaces. You receive a written scope, a decision log your compliance team can file, recorded demos at each milestone and access to the code repository from the first sprint.
Before build starts we agree who on your side approves financial promotions, who owns provider relationships and who signs off releases. Those names go into the plan, so nothing waits on an unanswered email. After launch, the same team handles fixes, provider additions and changes to Scottish rates when budgets move.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We usually build on Next.js or Laravel with a headless CMS for content, a regulated marketplace payment provider for split payments, Open Banking for pay by bank, and UK hosted cloud infrastructure, chosen to fit your existing systems. Provider feeds arrive through documented APIs or scheduled file uploads, and your CRM, back office or adviser software connects through the same integration layer, so adding a provider later does not mean rebuilding the site.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
It depends on the number of product types, providers and integrations in the first release.
A marketplace with one product category, a provider portal and card checkout is far quicker than one covering mortgages, pensions and protection with live provider feeds. The other drivers are your permissions, whether a principal firm must approve content, and how ready providers are to share data. We agree the timeline at the end of discovery, once these are known, and write it down with review points. Moving a category into a later release is the most reliable way to bring launch forward.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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