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 6 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 March 2026
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 Exchange Ltd (FRN 930082) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Mortgage Advice Exchange's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Advice Exchange, 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
Claremont House, 130 East Claremont Street, Edinburgh, Midlothian, EH7 4LB, United Kingdom
In the full report: 2 background checks
- What kind of line 0131 524 9797 is
- Who else gives the postcode EH7 4LB
Other names (1)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
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
- SC654168 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 February 2020 (6 years old)
- Registered office
- 130 East Claremont Street, Edinburgh, EH7 4LB, Scotland
- Nature of business
-
- Activities of financial services holding companies (SIC 64205)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kenneth Alexander Mcewan | Director | Aug 1961 | 10 Feb 2020 | 13 other companies |
| James Paul Milne | Director | Nov 1979 | 29 May 2026 | 4 other companies |
| Daine Elizabeth Mcewan | Secretary | Not published | 10 Feb 2020 | – |
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
- 16
- closed down
- 6
- run together
- 1
In the full report: all 16 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
- The 1 company these 2 directors run together
Filed accounts and finances
Total equity
£120k
−2.7% from £123k
Employees (average)
2
Same as 2
Owed within a year
£23.0k
−31% from £33.2k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2021 to 2026
- 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 SC654168. 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 Exchange’s history from the FCA register and Companies House, newest first.
2020
17 July 2020
- Became an appointed representative
FCA register
10 February 2020
- Incorporated at Companies House
- Daine Elizabeth McEwan gained significant control
- Kenneth Alexander McEwan became the majority owner (50–75% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Mortgage Advice Exchange
Other firms of the same type (mortgage adviser or broker), nearest first.
In Edinburgh
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 Exchange
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 16 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 7 events in its history
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Frequently asked questions about this firm
Is Mortgage Advice Exchange Ltd FCA authorised?
What does appointed representative mean for Mortgage Advice Exchange?
What is Mortgage Advice Exchange’s phone number?
Is Mortgage Advice Exchange a scam or clone?
Is my money safe with Mortgage Advice Exchange?
Who owns Mortgage Advice Exchange?
Who runs Mortgage Advice Exchange?
How long has Mortgage Advice Exchange been in business?
What do Mortgage Advice Exchange’s latest accounts show?
Does Mortgage Advice Exchange 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