Mortgage 90 Ltd: FCA regulated?

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.

Appointed for 2 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 December 2025
On its latest accounts it owed £11.0k more than it owned

Responsible principal firm

Cornerstone Finance Group Ltd Reference number: 767202 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.
Mortgage 90 Ltd (FRN 1005313) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Mortgage 90's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Mortgage 90, 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.

Website

mortgage90.co.uk (opens in a new tab)
Phone number

07492 879490
Address

3 Victoria Parade, Urmston, Manchester, Trafford, M41 9BP, United Kingdom

In the full report: 3 background checks

When mortgage90.co.uk first appeared online, and whether it can receive email
What kind of line 07492 879490 is
Who else gives the postcode M41 9BP

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Cornerstone Finance Group 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: 14539975 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 December 2022 (3 years old)
Registered office: 3 Victoria Parade, Urmston, Manchester, M41 9BP, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jake Thomas Wilkes	Director	Sep 1997	14 Dec 2022	1 other company
Keith Wilkes	Director	Jun 1965	14 Dec 2022	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: 3
closed down: 3

In the full report: all 3 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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£11.0k

Up £11.2k from −£22.2k

Employees (average)

2

Same as 2

Owed within a year

£12.3k

−50% from £24.4k

Net assets are negative: on its last balance sheet the company owed £11.0k more than it owned.

Assets and liabilities

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 14539975. 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

Mortgage 90’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2023

9 December 2023

Became an appointed representative

FCA register

29 January 2023

Shaun Mataciunas stopped being a part-owner

Companies House

2022

14 December 2022

Incorporated at Companies House
Jake Thomas Wilkes became a part-owner (25–50% of shares)
Keith Wilkes became a part-owner (25–50% of shares)
Shaun Mataciunas became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

All 10 events in its history (6 shown here)
Every director appointment and resignation: 4

Firms connected to Mortgage 90

Other FCA-listed firms that share a director, phone number or address with Mortgage 90. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share its postcode: 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

Firms like Mortgage 90

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

In Manchester

ClearScore Home Lending LimitedManchesterAppointed representative Andrew LawrensonManchesterAppointed representative Anthony MorrisManchesterAppointed representative Bell Financial Solutions LtdManchesterAppointed representative Busy Bee Commercial Finance LimitedManchesterAppointed representative Caldermont Private Finance LtdManchesterAppointed 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 Mortgage 90

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

3 other companies its directors have run, named
3 background checks on its contact details
All 10 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Mortgage 90 Ltd FCA authorised?

Mortgage 90 Ltd (FRN 1005313) 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 Mortgage 90?

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. Mortgage 90 Ltd (FRN 1005313) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Mortgage 90's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage 90, 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 Mortgage 90’s phone number and website?

The FCA register lists the phone number 07492 879490 and the website mortgage90.co.uk for Mortgage 90. If you were given different contact details, use these to check with the firm before going any further.

Is Mortgage 90 a scam or clone?

Mortgage 90 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 Mortgage 90?

Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Mortgage 90's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Mortgage 90?

Companies House lists 2 people with significant control of Mortgage 90: Mr Keith Wilkes (25–50% of shares) and Mr Jake Thomas Wilkes (25–50% of shares). Before that, it was controlled by Mr Shaun Mataciunas.

Who runs Mortgage 90?

Companies House lists 2 directors of Mortgage 90: Jake Thomas Wilkes and Keith Wilkes.

How long has Mortgage 90 been in business?

The company was formed on 14 December 2022.

What do Mortgage 90’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£11.0k (up £11.2k from −£22.2k).