Insight Mortgage Business Limited

Reference number: 793237

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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.

Responsible principal firm

Openwork Limited Reference number: 408285 Authorised 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.
  • Insight Mortgage Business Limited (FRN 793237) is an AR of Openwork Limited (FRN 408285). When you use Insight Mortgage Business's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Insight Mortgage Business, 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

    020 3981 9900

  • Address

    Bankside, Main Street, Mollington, Banbury, Oxfordshire, OX17 1BQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 3981 9900 is
  • Who else gives the postcode OX17 1BQ
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Other names (3)

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

  • Russell Bedford Former name
  • Rwbedfordfinance Limited Former name
  • RWBedford Finance Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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, free
    You 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
11013061
Company status
Active
Company type
Private limited company
Incorporated
13 October 2017 (9 years old)
Registered office
18 Tiverton Road, Ruislip, Middlesex, HA4 0BW, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Russell Warren Bedford Director Jan 1982 13 Oct 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

−£11.7k

Down £1,750 from −£9,985

Employees (average)

1

Same as 1

Owed within a year

£9,230

−1.9% from £9,411

Net assets are negative: on its last balance sheet the company owed £11.7k more than it owned.

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 11013061. 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

Insight Mortgage Business’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2022

28 February 2022

  • Changed its registered name from "Rwbedfordfinance Limited"

FCA register

2019

13 May 2019

  • Changed its registered name from "Russell Bedford"

FCA register

2017

2 November 2017

  • Became an appointed representative

FCA register

13 October 2017

  • Incorporated at Companies House
  • Russell Warren Bedford took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Insight Mortgage Business

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

In Banbury

HCB Mortgages LtdBanburyAppointed representativeKentfield Private Finance LimitedBanburyAppointed representativeKielman Mortgages LimitedBanburyAppointed representativeStratton Thorpe Mortgage Solutions LtdBanburyAppointed representativeVantage Mortgages LtdBanburyAppointed representativeBreezi Cooling UK LtdBanburyAppointed 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 Insight Mortgage Business

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Insight Mortgage Business Limited FCA authorised?
Insight Mortgage Business Limited (FRN 793237) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Insight Mortgage Business?
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. Insight Mortgage Business Limited (FRN 793237) is an AR of Openwork Limited (FRN 408285). When you use Insight Mortgage Business's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Insight Mortgage Business, 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.
What is Insight Mortgage Business’ phone number?
The FCA register lists the phone number 020 3981 9900 for Insight Mortgage Business. If you were given different contact details, use these to check with the firm before going any further.
Is Insight Mortgage Business a scam or clone?
Insight Mortgage Business 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 Insight Mortgage Business?
Protection works through Openwork Limited, the principal firm responsible for Insight Mortgage Business's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Insight Mortgage Business?
Companies House lists one person with significant control of Insight Mortgage Business: Mr Russell Warren Bedford (75–100% of shares).
Who runs Insight Mortgage Business?
Companies House lists one director of Insight Mortgage Business: Russell Warren Bedford.
How long has Insight Mortgage Business been in business?
The company was formed on 13 October 2017.
What do Insight Mortgage Business’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£11.7k (down £1,750 from −£9,985).
Does Insight Mortgage Business use any other names?
It has previously used 3 other names: Russell Bedford, Rwbedfordfinance Limited and RWBedford Finance.

Sources and links

The full report on Insight Mortgage Business Limited

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