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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £211k more than it owned
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- EXPERT MORTGAGES HERTS & CAMBS LTD (FRN 952159) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use EXPERT MORTGAGES HERTS & CAMBS's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from EXPERT MORTGAGES HERTS & CAMBS, 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
-
Address
Hardcastle Burton, Market Hill, Royston, Hertfordshire, SG8 9JN, United Kingdom
In the full report: 2 background checks
- What kind of line 01763 750555 is
- Who else gives the postcode SG8 9JN
Other names (1)
If you were contacted under any of these names, it is this firm.
- Expert Mortgages Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 13095386 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 December 2020 (5 years old)
- Registered office
- Lake House, Market Hill, Royston, Hertfordshire, SG8 9JN, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Neil Owen Wise | Director | Nov 1979 | 22 Dec 2020 | 15 other companies |
| Simon Andrew Masters | Director | Mar 1983 | 1 Jun 2025 | None |
| Claire Valerie Wise | Secretary | Not published | 5 Aug 2024 | – |
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
- 15
- closed down
- 7
- still active
- 8
In the full report: all 15 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£211k
Down £34.4k from −£177k
Cash at bank
£3,694
+45% from £2,552
Employees (average)
3
+50% from 2
Owed within a year
£8,303
−49% from £16.4k
Net assets are negative: on its last balance sheet the company owed £211k more than it owned.
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
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 13095386. 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
Expert Mortgages Herts & Cambs’s history from the FCA register and Companies House, newest first.
2025
1 June 2025
- Simon Andrew Masters gained significant control
Companies House
2024
5 August 2024
- Oliver Scott no longer has significant control
Companies House
2023
1 April 2023
- Oliver Scott gained significant control
Companies House
2021
3 June 2021
- Became an appointed representative
FCA register
2020
22 December 2020
- Incorporated at Companies House
- Neil Owen Wise took control (75–100% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (6 shown here)
- Every director appointment and resignation: 5
Firms connected to Expert Mortgages Herts & Cambs
Other FCA-listed firms that share a director, phone number or address with Expert Mortgages Herts & Cambs. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Expert Mortgages Herts & Cambs
Other firms of the same type (mortgage adviser or broker), nearest first.
In Royston
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 Expert Mortgages Herts & Cambs
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 15 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 12 events in its history
- 2 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Expert Mortgages Herts & Cambs Ltd FCA authorised?
What does appointed representative mean for Expert Mortgages Herts & Cambs?
What is Expert Mortgages Herts & Cambs’ phone number?
Is Expert Mortgages Herts & Cambs a scam or clone?
Is my money safe with Expert Mortgages Herts & Cambs?
Who owns Expert Mortgages Herts & Cambs?
Who runs Expert Mortgages Herts & Cambs?
How long has Expert Mortgages Herts & Cambs been in business?
What do Expert Mortgages Herts & Cambs’ latest accounts show?
Does Expert Mortgages Herts & Cambs use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk