Elm Tree Mortgages Limited

Reference number: 412053

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Mortgage Advice Bureau Limited Reference number: 455545 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • ELM TREE MORTGAGES LIMITED (FRN 412053) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use ELM TREE MORTGAGES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ELM TREE MORTGAGES, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

  • No website on the FCA register

  • Phone number

    01928 577405

  • Address

    6 Parc Hafod, Four Crosses, Llanymynech, Powys, SY22 6NZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01928 577405 is
  • Who else gives the postcode SY22 6NZ
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Other names (3)

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

  • Mortgage Advice Bureau Trading name
  • C.N.N. Mortgages Former name
  • C.N.N. Mortgages Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
05744230
Company status
Active
Company type
Private limited company
Incorporated
15 March 2006 (20 years old)
Registered office
6 Parc Hafod, Four Crosses, Llanymynech, Powys, SY22 6NZ, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Colin Forsyth Director Feb 1970 21 Mar 2006 None
Natalie Forsyth Secretary Not published 21 Mar 2006 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 5 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£67.0k

Up £10.6k from −£77.6k

Cash at bank

£1,410

+17% from £1,210

Employees (average)

3

Same as 3

Owed within a year

£69.9k

−2.5% from £71.7k

Net assets are negative: on its last balance sheet the company owed £67.0k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 05744230. 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

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

Key events (5) All events (13)

2022

14 December 2022

  • Changed its registered name from "C.N.N. Mortgages Ltd"

FCA register

2016

1 July 2016

  • Colin Forsyth became a part-owner (25–50% of shares)

Companies House

2006

31 July 2006

  • Changed its registered name from "C.N.N. Mortgages"

FCA register

15 March 2006

  • Incorporated at Companies House

Companies House

2004

31 October 2004

  • Became an appointed representative

FCA register

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 7
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Firms like Elm Tree Mortgages

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

In the Shrewsbury (SY) postcode area

Caron Mortgage ServicesTregaronAppointed representativeCountrywide Homeloans LimitedShrewsburyAppointed representativeElevate Mortgage Group LimitedShrewsburyAppointed representativeEmma Wigley Mortgage Solutions LtdShrewsburyAppointed representativeHilltop Mortgage Solutions LimitedShrewsburyAppointed representativeKarl BartlChurch StrettonAppointed 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 Elm Tree Mortgages

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Elm Tree Mortgages Limited FCA authorised?
Elm Tree Mortgages Limited (FRN 412053) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Elm Tree Mortgages?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Elm Tree Mortgages Limited (FRN 412053) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Elm Tree Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Elm Tree Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Elm Tree Mortgages’ phone number?
The FCA register lists the phone number 01928 577405 for Elm Tree Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Elm Tree Mortgages a scam or clone?
Elm Tree 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 Elm Tree Mortgages?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Elm Tree Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Elm Tree Mortgages?
Companies House lists one person with significant control of Elm Tree Mortgages: Mr Colin Forsyth (25–50% of shares).
Who runs Elm Tree Mortgages?
Companies House lists one director of Elm Tree Mortgages: Colin Forsyth.
How long has Elm Tree Mortgages been in business?
The company was formed on 15 March 2006.
What do Elm Tree Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£67.0k (up £10.6k from −£77.6k) and cash at bank of £1,410 (+17% from £1,210).
Does Elm Tree Mortgages use any other names?
It trades as Mortgage Advice Bureau. It has previously used 2 other names: C.N.N. Mortgages and C.N.N. Mortgages Ltd.

Sources and links

The full report on Elm Tree Mortgages Limited

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