Cartel Marketing is a mortgage broker without branches. Instead, it has advisers who work from home across Britain and visit customers by appointment in their own homes. Some processing of mortgage applications takes place in India, where next year the company plans to move into purpose-built offices. It also wants to start selling its own mortgages in Britain and India. Sales at the Manchester company rose 69% a year from £1m in 2000 to £4.9m in 2003.
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