More Than A Mortgage Company Ltd

Reference number: 438261

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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

Beneficial Ltd Reference number: 736655 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.
  • More Than A Mortgage Company Ltd (FRN 438261) is an AR of Beneficial Ltd (FRN 736655). When you use More Than A Mortgage Company's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from More Than A Mortgage Company, 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

    07824 887606

  • Address

    2A Damery Road, Bramhall, Stockport, Stockport, SK7 2JZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07824 887606 is
  • Who else gives the postcode SK7 2JZ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Beneficial Ltd, 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
05469043
Company status
Active
Company type
Private limited company
Incorporated
1 June 2005 (21 years old)
Registered office
2a Damery Road, Bramhall, Stockport, SK7 2JZ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Verrall Director Apr 1950 8 Aug 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£37.3k

+179% from £13.4k

Cash at bank

£41.8k

+179% from £15.0k

Employees (average)

1

Same as 1

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 05469043. 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

More Than A Mortgage Company’s history from the FCA register and Companies House, newest first.

Key events (9) All events (14)

2023

9 August 2023

  • Alex Blythin Ltd gave up control
  • Paul Verrall took control (75–100% of shares)

Companies House

8 August 2023

  • Board replaced: its only director left and a new director took over

Companies House

2021

30 November 2021

  • Board replaced: its only director left and a new director took over
  • Alex Blythin Ltd took control (75–100% of shares)
  • Kathleen Flanders gave up control

Companies House

2016

1 June 2016

  • Kathleen Flanders took control (75–100% of shares)

Companies House

2005

24 August 2005

  • Became an appointed representative

FCA register

1 June 2005

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (9 shown here)
  • Every director appointment and resignation: 5
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Firms like More Than A Mortgage Company

Other firms of the same type (insurance broker), nearest first.

In Stockport

Andy HinkinsStockportAppointed representativeBirchall Gregory LtdStockportAppointed representativeC & C Employee Benefits LimitedStockportAppointed representativeContractors and General Insurance Services LimitedStockportAppointed representativeElm Risk Solutions LtdStockportAppointed representativeFederation of Window CleanersStockportAppointed 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 More Than A Mortgage Company

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 14 events in its history

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Frequently asked questions about this firm

Is More Than A Mortgage Company Ltd FCA authorised?
More Than A Mortgage Company Ltd (FRN 438261) 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 More Than A Mortgage Company?
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. More Than A Mortgage Company Ltd (FRN 438261) is an AR of Beneficial Ltd (FRN 736655). When you use More Than A Mortgage Company's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from More Than A Mortgage Company, 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 More Than A Mortgage Company’s phone number?
The FCA register lists the phone number 07824 887606 for More Than A Mortgage Company. If you were given different contact details, use these to check with the firm before going any further.
Is More Than A Mortgage Company a scam or clone?
More Than A Mortgage Company 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 More Than A Mortgage Company?
Protection works through Beneficial Ltd, the principal firm responsible for More Than A Mortgage Company's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns More Than A Mortgage Company?
Companies House lists one person with significant control of More Than A Mortgage Company: Paul Verrall (75–100% of shares). Before that, it was controlled by Alex Blythin Ltd and Mrs Kathleen Flanders.
Who runs More Than A Mortgage Company?
Companies House lists one director of More Than A Mortgage Company: Paul Verrall.
How long has More Than A Mortgage Company been in business?
The company was formed on 1 June 2005.
What do More Than A Mortgage Company’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £37.3k (+179% from £13.4k) and cash at bank of £41.8k (+179% from £15.0k).

Sources and links

The full report on More Than A Mortgage Company Ltd

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