Mortgage Advance Ltd
Reference number: 491170
Instant download
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 17 years
- Protected through the principal
- No FCA actions
- Active company since 1997
- Accounts filed up to 31 October 2025
- Its whole board of directors changed in May 2025
- On its latest accounts it owed £14.8k more than it owned
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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 Advance Ltd (FRN 491170) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Mortgage Advance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Advance, 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.
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Phone number
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Address
15 Firs Meadow, Oxford, Oxfordshire, OX4 7GR, United Kingdom
In the full report: 3 background checks
- When buytoletloans.co.uk first appeared online, and whether it can receive email
- What kind of line 01865 776707 is
- Who else gives the postcode OX4 7GR
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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, freeYou 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 name
- MORTGAGE ADVANCE LIMITED
- Company number
- 03452851 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 October 1997 (29 years old)
- Registered office
- Matches the FCA register address ✓
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Tiffany Ching | Director | Apr 1994 | 26 May 2025 | 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
Filed accounts and finances
Net assets
−£14.8k
Up £10.9k from −£25.7k
Cash at bank
£9,707
Up £9,147 from £560
Employees (average)
0
Same as 0
Owed within a year
£22.8k
<1% from £22.9k
Net assets are negative: on its last balance sheet the company owed £14.8k more than it owned.
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 03452851. 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 Advance’s history from the FCA register and Companies House, newest first.
2025
26 May 2025
- Board replaced: its only director left and a new director took over
- Richard Wai Ying Ching no longer holds 50–75% of the votes
- Tiffany Ching became a part-owner (25–50% of shares)
Companies House
2016
7 April 2016
- Richard Wai Ying Ching gained 50–75% of the votes
Companies House
2008
6 November 2008
- Became an appointed representative
FCA register
1997
21 October 1997
- 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: 5
Firms like Mortgage Advance
Other firms of the same type (insurance broker), nearest first.
In Oxford
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 Advance
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
- 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 Mortgage Advance Ltd FCA authorised?
What does appointed representative mean for Mortgage Advance?
What is Mortgage Advance’s phone number and website?
Is Mortgage Advance a scam or clone?
Is my money safe with Mortgage Advance?
Who owns Mortgage Advance?
Who runs Mortgage Advance?
How long has Mortgage Advance been in business?
What do Mortgage Advance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk