Flex Mortgages Limited

Reference number: 731242

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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, 1 thing worth a closer look

  • When flexlimited.co.uk first appeared online, and whether it can receive email
  • What kind of line 01483 662031 is
  • Who else gives the postcode KT6 6AH
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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.
  • 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 (1 permission)
  • Administering a regulated mortgage contract

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
07184659
Company status
Active
Company type
Private limited company
Incorporated
10 March 2010 (16 years old)
Registered office
409-411 Croydon Road, Beckenham, BR3 3PP, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Jugraj Pugalia Director Nov 1940 10 Mar 2010 15 other companies
Ahmed Abdullah Director Jul 1941 10 Mar 2010 11 other companies
Joseph John Chiaro Director Jan 1958 13 Feb 2021 1 other company
Randa Abdullah-Hucker Director Apr 1977 1 Oct 2025 2 other companies
Neerja Pugalia Secretary Not published 1 Jul 2016 –

Other companies run by these 4 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
22
closed down
7
is FCA-registered
1

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 7 companies these 4 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

£754k

+14% from £662k

Cash at bank

£232k

−16% from £275k

Employees (average)

6

Same as 6

Owed within a year

£85.4k

−29% from £120k

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 07184659. 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

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

Key events (4) All events (14)

2016

10 November 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

6 April 2016

  • Neerja Pugalia became a part-owner (25–50% of shares)

Companies House

2010

10 March 2010

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (4 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Flex Mortgages

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

connected firm
1
share its postcode
1
past link
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
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Firms like Flex Mortgages

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

In Surbiton

Neil HarrisSurbitonAuthorisedChagnon Financial LtdSurbitonAppointed representativeIyria Financial Services LtdSurbitonAppointed representativeKingston Mortgage Services LimitedSurbitonAppointed representativeKms Commercial LimitedSurbitonAppointed representativeMountford & Co Financial LtdSurbitonAppointed 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 Flex Mortgages

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Flex Mortgages Limited FCA authorised?
Yes, Flex Mortgages Limited (FRN 731242) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2016 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Flex Mortgages’ phone number and website?
The FCA register lists the phone number 01483 662031 and the website flexlimited.co.uk for Flex Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Flex Mortgages a scam or clone?
Flex 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 Flex Mortgages?
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 Flex Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Flex Mortgages?
Companies House lists one person with significant control of Flex Mortgages: Mrs Neerja Pugalia (25–50% of shares).
Who runs Flex Mortgages?
Companies House lists 4 directors of Flex Mortgages: Jugraj Pugalia, Ahmed Abdullah, Joseph John Chiaro and Randa Abdullah-Hucker.
How long has Flex Mortgages been in business?
The company was formed on 10 March 2010, and has held its current FCA authorisation since November 2016.
What do Flex Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £754k (+14% from £662k) and cash at bank of £232k (−16% from £275k).

Sources and links

The full report on Flex Mortgages Limited

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