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 2008
- Accounts filed up to 30 April 2025
- Its whole board of directors changed in March 2025
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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 Advice Bureau (North West) Limited (FRN 496409) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Mortgage Advice Bureau (North West)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Advice Bureau (North West), 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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No website on the FCA register
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Phone number
-
Address
The Enterprise Centre, Salisbury Street, St. Helens, St. Helens, WA10 1FY, United Kingdom
In the full report: 2 background checks
- What kind of line 01744 22999 is
- Who else gives the postcode WA10 1FY
Other names (2)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- MAB Financial Planning Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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 number
- 06765202 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 December 2008 (17 years old)
- Registered office
- The Enterprise Centre, Salisbury Street, St. Helens, WA10 1FY, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gareth Richard Love | Director | Nov 1987 | 28 Mar 2025 | None |
| Sean Walter Newman | Director | Dec 1966 | 28 Mar 2025 | 31 other companies |
| Paula Jayne Deery | Director | Jun 1971 | 1 Sep 2026 | 17 other companies |
| Howard Joshua John Russell | Director | May 1989 | 1 Sep 2026 | 18 other companies |
Other companies run by these 4 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
- 33
- closed down
- 8
- are FCA-registered
- 3
In the full report: all 33 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register
- The 17 companies these 4 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£265k
+33% from £200k
Employees (average)
4
−33% from 6
Owed within a year
£37.0k
−21% from £46.6k
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
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 06765202. 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 Advice Bureau (North West)’s history from the FCA register and Companies House, newest first.
2025
28 March 2025
- Board replaced: its only director left and 2 new directors took over
- Gary William Brash stopped being a part-owner
- The Mortgage Experts Limited took control (75–100% of shares)
Companies House
2019
2 December 2019
- Andrew Duncan stopped being a part-owner
Companies House
2016
3 December 2016
- Andrew Duncan became a part-owner (25–50% of shares)
- Gary William Brash became a part-owner (25–50% of shares)
Companies House
2009
16 February 2009
- Became an appointed representative
FCA register
2008
3 December 2008
- Incorporated at Companies House
Companies House
In the full report: all 19 events
- All 19 events in its history (8 shown here)
- Every director appointment and resignation: 8
Firms connected to Mortgage Advice Bureau (North West)
Other FCA-listed firms that share a director, phone number or address with Mortgage Advice Bureau (North West). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (1)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Firms like Mortgage Advice Bureau (North West)
Other firms of the same type (mortgage adviser or broker), nearest first.
In St. Helens
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 Advice Bureau (North West)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 33 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 19 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Mortgage Advice Bureau (North West) Limited FCA authorised?
What does appointed representative mean for Mortgage Advice Bureau (North West)?
What is Mortgage Advice Bureau (North West)’s phone number?
Is Mortgage Advice Bureau (North West) a scam or clone?
Is my money safe with Mortgage Advice Bureau (North West)?
Who owns Mortgage Advice Bureau (North West)?
Who runs Mortgage Advice Bureau (North West)?
How long has Mortgage Advice Bureau (North West) been in business?
What do Mortgage Advice Bureau (North West)’s latest accounts show?
Does Mortgage Advice Bureau (North West) use any other names?
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