Expatmortgages Limited

Reference number: 680841

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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 offshoreonline.org first appeared online, and whether it can receive email
  • What kind of line 020 8333 9125 is
  • Who else gives the postcode SW18 3EQ
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Other names (1)

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

  • offshoreonline Trading name

FCA permissions and consumer protection

  • Advise on or arrange mortgages 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 (3 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Credit Broking

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
09434829
Company status
Active
Company type
Private limited company
Incorporated
11 February 2015 (11 years old)
Registered office
21 Algarve Road, London, SW18 3EQ, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Frank Storey Mchale Director Jul 1969 11 Feb 2015 None
Nicholas Guy Stephenson Director Nov 1959 11 Feb 2015 5 other companies

Other companies run by these 2 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
5
closed down
2
still active
3

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 28 February 2025Micro-entity accountsNot audited

Net assets

£69.6k

+6.4% from £65.3k

Employees (average)

1

Same as 1

Owed within a year

£620

Up £589 from £31

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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 09434829. 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

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

Key events (5) All events (9)

2016

6 April 2016

  • Nicholas Guy Stephenson took control (75–100% of shares)

Companies House

2015

21 October 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

11 February 2015

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Expatmortgages

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

In London

Saga Personal Finance LimitedLondonAuthorisedLegal & General Partnership Services LimitedLondonAuthorisedPrudential Distribution LimitedLondonAuthorisedQuilter Mortgage Planning LimitedLondonAuthorisedEnness LimitedLondonAuthorisedPivotal Financial LimitedLondonAuthorised

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 Expatmortgages

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
  • 5 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Expatmortgages Limited FCA authorised?
Yes, Expatmortgages Limited (FRN 680841) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.
What is Expatmortgages’ phone number and website?
The FCA register lists the phone number 020 8333 9125 and the website offshoreonline.org for Expatmortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Expatmortgages a scam or clone?
Expatmortgages 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 Expatmortgages?
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 Expatmortgages to the Financial Ombudsman Service, free of charge.
Who owns Expatmortgages?
Companies House lists one person with significant control of Expatmortgages: Mr Nicholas Guy Stephenson (75–100% of shares).
Who runs Expatmortgages?
Companies House lists 2 directors of Expatmortgages: Frank Storey McHale and Nicholas Guy Stephenson.
How long has Expatmortgages been in business?
The company was formed on 11 February 2015, and has held its current FCA authorisation since October 2015.
What do Expatmortgages’ latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £69.6k (+6.4% from £65.3k).
Does Expatmortgages use any other names?
It trades as offshoreonline.

Sources and links

The full report on Expatmortgages Limited

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