Crystal Mortgages Limited

Reference number: 303761

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When crystalsf.com first appeared online, and whether it can receive email
  • What kind of line 01827 301070 is, and the other firm that gives it
  • Who else gives the postcode B78 3LZ
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Other names (5)

If you were contacted under any of these names, it is this firm.

  • Crystal Bridging Loans Trading name
  • Crystal Specialist Finance Trading name
  • Crystal Finance Former trading name
  • Crystal Private Finance Former trading name
  • Intelligent Finance Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home purchase plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home purchase plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home purchase plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04407643
Company status
Active
Company type
Private limited company
Incorporated
2 April 2002 (24 years old)
Registered office
Unit B Ventura House, Ventura Park Road, Tamworth, Staffordshire, B78 3HL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jo David Breeden Director Dec 1982 1 Jan 2011 9 other companies
Toby Alexander Breeden Director Jun 1988 5 Nov 2019 2 other companies
Kristofer Michael Corns Director Sep 1981 5 Nov 2019 2 other companies
Richard Derek Bond Director Apr 1982 5 Nov 2019 3 other companies
Wendy Elleman Secretary Not published 1 Oct 2007 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
10
closed down
4
is FCA-registered
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 2 companies these 4 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£2.33m

+25% from £1.86m

Cash at bank

£2.12m

+19% from £1.77m

Employees (average)

61

+13% from 54

Owed within a year

£824k

−6.5% from £881k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 04407643. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Crystal Mortgages’s history from the FCA register and Companies House, newest first.

Key events (9) All events (37)

2019

4 January 2019

  • Andrea Roberta Dewsbery stopped being a part-owner
  • Crystal Specialist Group Limited took control (75–100% of shares)
  • Jo David Breeden stopped being a part-owner

Companies House

2016

6 April 2016

  • Andrea Roberta Dewsbery became a part-owner (25–50% of shares)
  • Jo David Breeden became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

2 April 2002

  • Incorporated at Companies House

Companies House

In the full report: all 37 events

  • All 37 events in its history (9 shown here)
  • Every director appointment and resignation: 16
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Firms connected to Crystal Mortgages

Other FCA-listed firms that share a director, phone number or address with Crystal Mortgages. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Crystal Mortgages

Other firms of the same type (mortgage adviser or broker), nearest first.

In Tamworth

Mortgages by Heather Wall LtdTamworthAuthorisedRm Mortgage Solutions LimitedTamworthAuthorisedConnect Mortgages & Protection LtdTamworthAppointed representativeCrystal Property Finance LimitedTamworthAppointed representativeDavid BowenTamworthAppointed representativeFuture Home Financial Services LimitedTamworthAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Crystal Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 37 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Crystal Mortgages Limited FCA authorised?
Yes, Crystal Mortgages Limited (FRN 303761) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Crystal Mortgages’ phone number and website?
The FCA register lists the phone number 01827 301070 and the website crystalsf.com for Crystal Mortgages. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Crystal Mortgages a scam or clone?
Crystal Mortgages is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Crystal Mortgages?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Crystal Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Crystal Mortgages?
Crystal Mortgages is owned by Crystal Specialist Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 4 January 2019. Before that, it was controlled by Mrs Andrea Roberta Dewsbery and Mr Jo David Breeden.
Who runs Crystal Mortgages?
Companies House lists 4 directors of Crystal Mortgages: Jo David Breeden, Toby Alexander Breeden, Kristofer Michael Corns and Richard Derek Bond.
How long has Crystal Mortgages been in business?
The company was formed on 2 April 2002, and has held its current FCA authorisation since October 2004.
What do Crystal Mortgages’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £2.33m (+25% from £1.86m) and cash at bank of £2.12m (+19% from £1.77m).
Does Crystal Mortgages use any other names?
It trades as Crystal Bridging Loans and Crystal Specialist Finance. It has previously used 3 other names: Crystal Finance, Crystal Private Finance and Intelligent Finance.

Sources and links

The full report on Crystal Mortgages Limited

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