Cutting Edge Mortgages Ltd
Reference number: 922009
Instant download
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.
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Phone number
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Address
5 Morris Hall Cottages, Berwick-upon-Tweed, Northumberland, TD15 2JY, United Kingdom
In the full report: 3 background checks
- When cuttingedgemortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 07436 261591 is
- Who else gives the postcode TD15 2JY
Other names (19)
If you were contacted under any of these names, it is this firm.
- DIMVIA Trading name: A name it trades under now.
- GG Mortgages Trading name: A name it trades under now.
- Keyholder Mortgages Trading name: A name it trades under now.
- RobMac Mortgages Trading name: A name it trades under now.
- Sunflower Mortgages and Protection Trading name: A name it trades under now.
- Swan Mortgages Trading name: A name it trades under now.
- Veritas Finance Solutions Trading name: A name it trades under now.
- www.circle-finance.co.uk Trading name: A name it trades under now.
- www.cuttingedgeprotection.co.uk Trading name: A name it trades under now.
- Mont Glacier Finance Former trading name: A name it used to trade under.
- Red Brick Mortgages & Protection Former trading name: A name it used to trade under.
- www.bad-credit-remortgages.co.uk Former trading name: A name it used to trade under.
- www.buy-to-let-mortgages-123.co.uk Former trading name: A name it used to trade under.
- www.buytoletmortgagesok.co.uk Former trading name: A name it used to trade under.
- www.cuttingedgemortgages.ltd Former trading name: A name it used to trade under.
- www.sanquharmortgages.co.uk Former trading name: A name it used to trade under.
- www.secured-loansonline.co.uk Former trading name: A name it used to trade under.
- www.self-certified-mortgages-123.co.uk Former trading name: A name it used to trade under.
- www.self-employed-mortgages-123.co.uk Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (12 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL Advisor
- Acting as a CBTL arranger
- Acting as a CBTL Arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
FCA disciplinary action
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 12226591 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 September 2019 (7 years old)
- Registered office
- 5 Morris Hall Cottages, Berwick-Upon-Tweed, TD15 2JY, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rebecca Jane Wilkins | Director | Mar 1983 | 25 Sep 2019 | 3 other companies |
| Rebecca Jane Wilkins | Secretary | Not published | 25 Sep 2019 | – |
Other companies run by its director
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
- 3
- still active
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£98.1k
Not compared: the previous accounts cover a different length of time
Net assets
£46.1k
+980% from £4,265
Cash at bank
£88.7k
+57% from £56.6k
Employees (average)
5
Same as 5
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- The chart, over every year
- Every filed figure, year by year
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 12226591. 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
Cutting Edge Mortgages’s history from the FCA register and Companies House, newest first.
2020
1 July 2020
- Regulated by the FCA from this date
- FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
- Became authorised by the FCA
FCA register
2019
25 September 2019
- Incorporated at Companies House
- Rebecca Jane Wilkins took control (75–100% of shares)
Companies House
In the full report: all 40 events
- All 40 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms like Cutting Edge Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Galashiels (TD) postcode area
Beech Financial Solutions LimitedEyemouthAuthorisedChristopher BrassColdstreamAuthorisedClockwork Mortgages LimitedGalashielsAuthorisedDavid James HannettEyemouthAppointed representativeDewar & Partners Scotland LimitedGalashielsAppointed representativeRose Blythe Mortgage Solutions LtdHawickAppointed 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 Cutting Edge Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 40 events in its history
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Frequently asked questions about this firm
Is Cutting Edge Mortgages Ltd FCA authorised?
Yes, Cutting Edge Mortgages Ltd (FRN 922009) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2020 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Cutting Edge Mortgages’ phone number and website?
The FCA register lists the phone number 07436 261591 and the website cuttingedgemortgages.co.uk for Cutting Edge Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Cutting Edge Mortgages a scam or clone?
Cutting Edge 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 Cutting Edge 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 Cutting Edge Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Cutting Edge Mortgages?
Companies House lists one person with significant control of Cutting Edge Mortgages: Mrs Rebecca Jane Wilkins (75–100% of shares).
Who runs Cutting Edge Mortgages?
Companies House lists one director of Cutting Edge Mortgages: Rebecca Jane Wilkins.
How long has Cutting Edge Mortgages been in business?
The company was formed on 25 September 2019, and has held its current FCA authorisation since July 2020.
What do Cutting Edge Mortgages’ latest accounts show?
Its latest accounts, to 30 September 2026, show profit before tax of £98.1k (not compared: the previous accounts cover a different length of time) and net assets of £46.1k (+980% from £4,265).
Does Cutting Edge Mortgages use any other names?
It trades as DIMVIA, GG Mortgages, Keyholder Mortgages, RobMac Mortgages and Sunflower Mortgages and Protection, and 4 more names. It has previously used 10 other names, including Mont Glacier Finance, Red Brick Mortgages & Protection and www.bad-credit-remortgages.co.uk.
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk