Expat Mortgage Dot Com Limited

Reference number: 932888

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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

FALBROS LTD Reference number: 745807 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.
  • EXPAT MORTGAGE DOT COM LIMITED (FRN 932888) is an AR of FALBROS LTD (FRN 745807). When you use EXPAT MORTGAGE DOT COM's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from EXPAT MORTGAGE DOT COM, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When expatmortgage.com first appeared online, and whether it can receive email
  • What kind of line 020 3137 3712 is
  • Whether W1J 8AJ is a shared office: 33 other firms give it
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Other names (1)

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

  • Expat Mortgage Dot UK Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Falbros Ltd, 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
12233056
Company status
Active
Company type
Private limited company
Incorporated
30 September 2019 (7 years old)
Registered office
1 Mayfair Place, London, London, W1J 8AJ, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ryan Decorsie Ewen Director Apr 1980 30 Sep 2019 5 other companies

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
5
closed down
1
are FCA-registered
2

In the full report: all 5 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
  • The 2 on the FCA register
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£158k

+29% from £123k

Cash at bank

£1

Same as £1

Employees (average)

1

Same as 1

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
Instant PDF download
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 12233056. 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

Expat Mortgage Dot Com’s history from the FCA register and Companies House, newest first.

2022

21 April 2022

  • Changed its registered name from "Expat Mortgage Dot UK Limited"

FCA register

2020

26 August 2020

  • Became an appointed representative

FCA register

1 May 2020

  • Falbros Group Limited took control (75–100% of shares)
  • Ryan Decorsie Ewen gave up control

Companies House

2019

30 September 2019

  • Incorporated at Companies House
  • Ryan Decorsie Ewen took control (75–100% of shares)
  • Ryan Decorsie Ewen appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Expat Mortgage Dot Com

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

connected firm
1
share a director
1
past link
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
Instant PDF download

Firms like Expat Mortgage Dot Com

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

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed 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 Expat Mortgage Dot Com

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 7 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Expat Mortgage Dot Com Limited FCA authorised?
Expat Mortgage Dot Com Limited (FRN 932888) 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 Expat Mortgage Dot Com?
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. Expat Mortgage Dot Com Limited (FRN 932888) is an AR of FALBROS LTD (FRN 745807). When you use Expat Mortgage Dot Com's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Expat Mortgage Dot Com, 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 Expat Mortgage Dot Com’s phone number and website?
The FCA register lists the phone number 020 3137 3712 and the website expatmortgage.com for Expat Mortgage Dot Com. If you were given different contact details, use these to check with the firm before going any further.
Is Expat Mortgage Dot Com a scam or clone?
Expat Mortgage Dot Com 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 Expat Mortgage Dot Com?
Protection works through Falbros Ltd, the principal firm responsible for Expat Mortgage Dot Com's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Expat Mortgage Dot Com?
Expat Mortgage Dot Com is owned by Falbros Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 May 2020. Before that, it was controlled by Mr Ryan Decorsie Ewen.
Who runs Expat Mortgage Dot Com?
Companies House lists one director of Expat Mortgage Dot Com: Ryan Decorsie Ewen.
How long has Expat Mortgage Dot Com been in business?
The company was formed on 30 September 2019.
What do Expat Mortgage Dot Com’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £158k (+29% from £123k) and cash at bank of £1 (same as £1).
Does Expat Mortgage Dot Com use any other names?
It has previously used the name Expat Mortgage Dot UK Limited.

Sources and links

The full report on Expat Mortgage Dot Com Limited

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