Ideal Mortgages Limited

Reference number: 458958

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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 idealmortgages.net first appeared online, and whether it can receive email
  • What kind of line 020 8651 3443 is
  • Who else gives the postcode CR0 5BB
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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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as agent
  • 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
04358871
Company status
Active
Company type
Private limited company
Incorporated
23 January 2002 (24 years old)
Registered office
22 Gravel Hill, Addington, Croydon, CR0 5BB
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Pandelitsa Kyriacou Marlow Director Apr 1966 23 Jan 2002 None
Edward James Marlow Director Mar 1966 23 Jan 2002 1 other company
Pandelitsa Kyriacou Marlow Secretary Not published 23 Jan 2002 None

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 company
1
still active
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£2,649

+35% from £1,969

Employees (average)

0

−100% from 2

Owed within a year

£33.7k

−8% from £36.6k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 04358871. 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

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

Key events (6) All events (11)

2016

6 April 2016

  • Edward James Marlow became a part-owner (25–50% of shares)
  • Pandelitsa Kyriacou-Marlow became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

2 January 2007

  • Became authorised by the FCA

FCA register

2006

18 December 2006

  • Regulated by the Financial Services Authority from this date

FCA register

2002

23 January 2002

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like Ideal Mortgages

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

In Croydon

Adebola OyinladeCroydonAuthorisedNew Property Finance LimitedCroydonAuthorisedRichard Willis Financial Consultants LimitedCroydonAuthorisedGreentree Financial Services LimitedCroydonAppointed representativeJms Private Clients LtdCroydonAppointed representativeMassey Divall Financial ServicesCroydonAppointed 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 Ideal Mortgages

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Ideal Mortgages Limited FCA authorised?
Yes, Ideal Mortgages Limited (FRN 458958) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2007 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Ideal Mortgages’ phone number and website?
The FCA register lists the phone number 020 8651 3443 and the website idealmortgages.net for Ideal Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Ideal Mortgages a scam or clone?
Ideal 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 Ideal 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 Ideal Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Ideal Mortgages?
Companies House lists 2 people with significant control of Ideal Mortgages: Mrs Pandelitsa Kyriacou-Marlow (25–50% of shares) and Mr Edward James Marlow (25–50% of shares).
Who runs Ideal Mortgages?
Companies House lists 2 directors of Ideal Mortgages: Pandelitsa Kyriacou Marlow and Edward James Marlow.
How long has Ideal Mortgages been in business?
The company was formed on 23 January 2002, and has held its current FCA authorisation since January 2007.
What do Ideal Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £2,649 (+35% from £1,969).

Sources and links

The full report on Ideal Mortgages Limited

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