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 2023
- Accounts filed up to 31 October 2025
Responsible principal firm
White Rose Finance Group Limited Reference number: 630772 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 Beyond Ltd (FRN 1004542) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Mortgage Beyond's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Beyond, 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
-
Address
16 Richmond Drive, Houghton Regis, Dunstable, Central Bedfordshire, LU5 5FZ, United Kingdom
In the full report: 2 background checks
- What kind of line 07716 206845 is
- Who else gives the postcode LU5 5FZ
Other names (2)
If you were contacted under any of these names, it is this firm.
- Eastern Europe Mortgage Centre Limited Former name: A name it was registered under before.
- Eastern Europe Mortgage Centre Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through White Rose Finance Group 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
- 15206184 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 October 2023 (3 years old)
- Registered office
- 16 Richmond Drive, Houghton Regis, Dunstable, LU5 5FZ, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Irina Yankova Yankova | Director | Mar 1988 | 12 Oct 2023 | 1 other company |
Other companies run by its director
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 company
- 1
- still active
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£9,671
Up £9,654 from £17
Employees (average)
1
−50% from 2
Owed within a year
£9,260
+512% from £1,513
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 15206184. 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 Beyond’s history from the FCA register and Companies House, newest first.
2025
29 October 2025
- Changed its registered name from "Eastern Europe Mortgage Centre Limited"
FCA register
24 April 2025
- Baljit Ray Kudhail stopped being the majority owner
Companies House
2023
21 November 2023
- Became an appointed representative
FCA register
12 October 2023
- Incorporated at Companies House
- Baljit Ray Kudhail became the majority owner (50–75% of shares)
- Irina Yankova Yankova took control (75–100% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms like Mortgage Beyond
Other firms of the same type (mortgage adviser or broker), nearest first.
In Dunstable
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 Beyond
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 12 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Mortgage Beyond Ltd FCA authorised?
What does appointed representative mean for Mortgage Beyond?
What is Mortgage Beyond’s phone number?
Is Mortgage Beyond a scam or clone?
Is my money safe with Mortgage Beyond?
Who owns Mortgage Beyond?
Who runs Mortgage Beyond?
How long has Mortgage Beyond been in business?
What do Mortgage Beyond’s latest accounts show?
Does Mortgage Beyond 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