Mortgage Buyers Advice Centres Ltd

Reference number: 587330

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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.

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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 Buyers Advice Centres Ltd (FRN 587330) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Mortgage Buyers Advice Centres's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgage Buyers Advice Centres, 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.

In the full report: 3 background checks

  • When grantpaynefs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01248 810416 is
  • Who else gives the postcode LL58 8AB
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Grant Payne Financial Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter 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, 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 name
MORTGAGE BUYERS ADVICE CENTRES LIMITED
Company number
03760293
Company status
Active
Company type
Private limited company
Incorporated
27 April 1999 (27 years old)
Registered office
Glaslyn Ffordd Y Parc, Parc Menai, Bangor, Gwynedd, LL57 4FE
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Barry Joseph Grant Director May 1947 27 Apr 1999 None
Paul Joseph Grant Director Mar 1968 9 Apr 2004 None
Paul Joseph Grant Secretary Not published 19 Jun 2003 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

−£61.1k

Up £4,022 from −£65.2k

Cash at bank

£3,713

Up £3,602 from £111

Employees (average)

1

−50% from 2

Owed within a year

£60.6k

+2.8% from £58.9k

Net assets are negative: on its last balance sheet the company owed £61.1k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 03760293. 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 Buyers Advice Centres’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2022

6 February 2022

  • Changed its registered name from "Grant Payne Financial Solutions"

FCA register

2016

6 April 2016

  • Barry Joseph Grant took control (75–100% of shares)

Companies House

2012

31 August 2012

  • Became an appointed representative

FCA register

1999

27 April 1999

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Mortgage Buyers Advice Centres

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

In the Llandudno (LL) postcode area

David Robert SchrimshawDenbighAppointed representativeEastgate Commercial Finance LtdWrexhamAppointed representativeIce Finance LtdWrexhamAppointed representativeIdris Mortgages LimitedLlandudno JunctionAppointed representativeKlaire WilliamsPwllheliAppointed representativeMenai Financial Solutions LimitedColwyn BayAppointed 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 Buyers Advice Centres

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 9 events in its history

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Frequently asked questions about this firm

Is Mortgage Buyers Advice Centres Ltd FCA authorised?
Mortgage Buyers Advice Centres Ltd (FRN 587330) 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 Buyers Advice Centres?
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 Buyers Advice Centres Ltd (FRN 587330) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Mortgage Buyers Advice Centres's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Buyers Advice Centres, 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 Buyers Advice Centres’ phone number and website?
The FCA register lists the phone number 01248 810416 and the website grantpaynefs.co.uk for Mortgage Buyers Advice Centres. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage Buyers Advice Centres a scam or clone?
Mortgage Buyers Advice Centres 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 Buyers Advice Centres?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Mortgage Buyers Advice Centres's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mortgage Buyers Advice Centres?
Companies House lists one person with significant control of Mortgage Buyers Advice Centres: Mr Barry Joseph Grant (75–100% of shares).
Who runs Mortgage Buyers Advice Centres?
Companies House lists 2 directors of Mortgage Buyers Advice Centres: Barry Joseph Grant and Paul Joseph Grant.
How long has Mortgage Buyers Advice Centres been in business?
The company was formed on 27 April 1999.
What do Mortgage Buyers Advice Centres’ latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of −£61.1k (up £4,022 from −£65.2k) and cash at bank of £3,713 (up £3,602 from £111).
Does Mortgage Buyers Advice Centres use any other names?
It trades as Grant Payne Financial Solutions.

Sources and links

The full report on Mortgage Buyers Advice Centres Ltd

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