Express Mortgage Services Limited

Reference number: 474427

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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 expressmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01942 235000 is
  • Who else gives the postcode WN3 5BA
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Other names (7)

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

  • EMSDIRECT Trading name
  • Express Bridging Trading name
  • Express Insurance Services Trading name
  • Express Mortgages Trading name
  • Betterware Mortgages Former trading name
  • Esale Former trading name
  • UniteHome Mortgages Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A 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 apply
    Eligible 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 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 (10 permissions)
  • Acting as a CBTL advisor
  • 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 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
05167662
Company status
Active
Company type
Private limited company
Incorporated
1 July 2004 (22 years old)
Registered office
Wigan Investment Centre Ground Floor, Waterside Drive, Wigan, WN3 5BA, England
Nature of business
  • Banks (SIC 64191)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Andrew Hand Director Sep 1975 1 Jul 2004 3 other companies
Paul Rawson Director Nov 1974 1 Jul 2004 2 other companies
Paul Rawson Secretary Not published 1 Jul 2004 2 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
4
closed down
1
run together
1

In the full report: all 4 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
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

£91.2k

+299% from £22.9k

Cash at bank

£53.8k

Up £49.4k from £4,449

Employees (average)

22

Same as 22

Owed within a year

£179k

+13% from £159k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2024
  • 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 05167662. 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

Express Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (24)

2020

10 October 2020

  • Andrew Francis Huntley-Jacobs stopped being a part-owner

Companies House

2016

6 April 2016

  • Andrew Francis Huntley-Jacobs became a part-owner (25–50% of shares)
  • Paul Rawson became a part-owner (25–50% of shares)
  • Stephen Andrew Hand became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2008

7 January 2008

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2004

1 July 2004

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Express Mortgage Services

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Express Mortgage Services

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

In Wigan

David MortonWiganAuthorisedNeil CallandWiganAuthorisedCharnock Mortgages LtdWiganAppointed representativeCraig Potter Commercial Finance LimitedWiganAppointed representativeDeborah Jane BoothWiganAppointed representativeL R Finance (North West) LimitedWiganAppointed 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 Express Mortgage Services

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 24 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Express Mortgage Services Limited FCA authorised?
Yes, Express Mortgage Services Limited (FRN 474427) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2008 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Express Mortgage Services’ phone number and website?
The FCA register lists the phone number 01942 235000 and the website expressmortgages.co.uk for Express Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is Express Mortgage Services a scam or clone?
Express Mortgage Services 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 Express Mortgage Services?
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 Express Mortgage Services to the Financial Ombudsman Service, free of charge.
Who owns Express Mortgage Services?
Companies House lists 2 people with significant control of Express Mortgage Services: Mr Stephen Andrew Hand (25–50% of shares) and Mr Paul Rawson (25–50% of shares). Before that, it was controlled by Mr Andrew Francis Huntley-Jacobs.
Who runs Express Mortgage Services?
Companies House lists 2 directors of Express Mortgage Services: Stephen Andrew Hand and Paul Rawson.
How long has Express Mortgage Services been in business?
The company was formed on 1 July 2004, and has held its current FCA authorisation since January 2008.
What do Express Mortgage Services’ latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £91.2k (+299% from £22.9k) and cash at bank of £53.8k (up £49.4k from £4,449).
Does Express Mortgage Services use any other names?
It trades as EMSDIRECT, Express Bridging, Express Insurance Services and Express Mortgages. It has previously used 3 other names: Betterware Mortgages, Esale and UniteHome Mortgages.

Sources and links

The full report on Express Mortgage Services Limited

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