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Founded Year



Grant | Alive

Total Raised


About Perenna

Perenna operates as a digital mortgage bank. It provides mortgages against a promise to pay a fixed monthly payment over a period of time and the firm takes charge of properties as security for the payments. The mortgages are financed by issuing covered bonds on the London Stock Exchange. The platform offers various mortgage solutions such as for life, remortgage, and more. The company was founded in 2018 and is based in London, United Kingdom.

Headquarters Location

20 Eastbourne Terrace

London, England, W2 6LG,

United Kingdom

+44 2036978888


Perenna's Products & Differentiators

    Fixed for Life mortgages

    Mortgage loans that carry a fixed rate for the entire term of the mortgage (likely to be 30 years)


Expert Collections containing Perenna

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Perenna is included in 4 Expert Collections, including Mortgage Tech.


Mortgage Tech

218 items

Companies here streamline and digitize the mortgage lending process. Collection includes direct lenders, mortgage brokers, process optimization technologies for lenders, as well as tools that support borrowers throughout the search and application phases.


Real Estate Tech

2,789 items

Startups in the space cover the residential and commercial real estate space. Categories include buying, selling and investing in real estate (iBuyers, marketplaces, investment/crowdfunding platforms), and property management, insurance, mortgage, construction, and more.


Digital Lending

2,187 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



12,502 items

Excludes US-based companies

Perenna Patents

Perenna has filed 2 patents.

The 3 most popular patent topics include:

  • ec 2.3.1
  • human proteins
  • membrane biology
patents chart

Application Date

Grant Date


Related Topics




Rare diseases, Diabetes, Autosomal recessive disorders, Neurological disorders, Human proteins


Application Date


Grant Date



Related Topics

Rare diseases, Diabetes, Autosomal recessive disorders, Neurological disorders, Human proteins



Latest Perenna News

Quarter of over 55s fear future mortgage payments: Perenna

Feb 15, 2024

Financial concerns driven by mortgage affordability and accessibility in the over-55s are rife, with over a quarter (28%) fearing they wouldn’t be able to afford their mortgage if it moved onto their lender’s Standard Variable Rate (SVR). This is according to new research from Perenna which also reveals that an additional 36% would find it difficult to manage repayments, bringing the total who could struggle to almost two-thirds (64%) and potentially putting many into financial distress. As a consequence, later life borrowers are left with few other options than to sell or downsize if facing issues. Over a third (37%) are considering selling their homes to relocate or downsize. This rises to nearly half in London (48%), where property prices are 34% higher than the average property price in the UK. Lenders usually place end of term age limit restrictions for older borrowers trying to secure a new mortgage or remortgage. As a result, nearly two-thirds (60%) believe there is a lack of choice and financial products tailored to them, and over a third (36%) find their mortgage restrictive because of their age profile, being fundamentally excluded from the mortgage market. According to Perenna, the situation raises concerns about an increase in financial exclusion. As life expectancies rise, the demand for mortgage products that cater to older demographics grows, with nearly a fifth (18%) of respondents stating that mortgage repayments have restricted their ability to travel or engage with leisure activities. A further 17% of those surveyed report  an impact on their financial stability and ability to support their family, while 9% have postponed retirement plans to pay off their mortgage. The research comes as Perenna launches its Retirement Interest Only (RIO) mortgage for those aged over 55 , starting at 5.84% (up to a maximum 60% LTV). Perenna chief executive and founder Arjan Verbeek commented “The current UK mortgage market is ageist. A whole demographic is being unfairly excluded and left behind, because of their age. We think that is wrong. “The lack of options available for people over 55, underpinned by a fear of being trapped in their provider’s SVR, is putting many in financial distress. This shouldn’t be the case. Retirees should have solutions available to live the lives they desire and deserve. Our new long-term fixed rate retirement interest-only mortgage is a step towards financial freedom for older homeowners.” 2024-02-15

Perenna Frequently Asked Questions (FAQ)

  • When was Perenna founded?

    Perenna was founded in 2018.

  • Where is Perenna's headquarters?

    Perenna's headquarters is located at 20 Eastbourne Terrace, London.

  • What is Perenna's latest funding round?

    Perenna's latest funding round is Grant.

  • How much did Perenna raise?

    Perenna raised a total of $92M.

  • Who are the investors of Perenna?

    Investors of Perenna include UK Department for Energy Security & Net Zero, IAG Capital Partners, Silverstripe, Tony Mallin and Kevin Flaherty.

  • Who are Perenna's competitors?

    Competitors of Perenna include Atom Bank and 7 more.

  • What products does Perenna offer?

    Perenna's products include Fixed for Life mortgages.


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