Mortgage Factory UK Ltd

Reference number: 490722

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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

Mortgage Advice Bureau Limited Reference number: 455545 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 Factory UK Ltd (FRN 490722) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Mortgage Factory UK's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgage Factory UK, 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 mortgagefactoryltd.com first appeared online, and whether it can receive email
  • What kind of line 01253 894050 is, and the other firm that gives it
  • Who else gives the postcode FY6 7BN
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Other names (2)

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

  • The Mortgage Factory Trading name
  • TMF Wealth Management Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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 number
06324559
Company status
Active
Company type
Private limited company
Incorporated
25 July 2007 (19 years old)
Registered office
2 Queens Square, Poulton-Le-Fylde, FY6 7BN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Alan Dennis Lyne Director Oct 1975 1 Aug 2007 5 other companies
Samuel Hargreaves Director Oct 1989 22 Jul 2016 4 other companies
ACCOUNTS (UK) LTD Corporate secretary Not published 1 Aug 2007 –

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
7
closed down
4
run together
2

In the full report: all 7 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 2 companies these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£287

Down £668 from £955

Employees (average)

8

Same as 8

Owed within a year

£362k

+112% from £171k

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
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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 06324559. 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 Factory UK’s history from the FCA register and Companies House, newest first.

Key events (6) All events (17)

2025

27 July 2025

  • Stephen James Kay-Jones stopped being a part-owner

Companies House

2016

6 April 2016

  • Alan Dennis Lyne became the majority owner (50–75% of shares)
  • Samuel Hargreaves became a part-owner (25–50% of shares)
  • Stephen James Kay-Jones became a part-owner (25–50% of shares)

Companies House

2008

27 October 2008

  • Became an appointed representative

FCA register

2007

25 July 2007

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (6 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Mortgage Factory UK

Other FCA-listed firms that share a director, phone number or address with Mortgage Factory UK. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Mortgage Factory UK

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

In Poulton-le-fylde

Steven CoulburnPoulton-le-FyldeAppointed representativeFlamingo Associates LimitedPoulton-le-FyldeAuthorisedJohn Earnshaw Independent Financial Advisers LimitedPoulton-Le-FyldeAuthorisedProgress F S LtdPoulton-le-FyldeAuthorisedTony Mortimer & CoPoulton-le-fyldeAuthorised

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 Factory UK

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Mortgage Factory UK Ltd FCA authorised?
Mortgage Factory UK Ltd (FRN 490722) 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 Factory UK?
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 Factory UK Ltd (FRN 490722) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Mortgage Factory UK's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Factory UK, 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 Factory UK’s phone number and website?
The FCA register lists the phone number 01253 894050 and the website mortgagefactoryltd.com for Mortgage Factory UK. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Mortgage Factory UK a scam or clone?
Mortgage Factory UK 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 Factory UK?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Mortgage Factory UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mortgage Factory UK?
Companies House lists 2 people with significant control of Mortgage Factory UK: Mr Alan Dennis Lyne (50–75% of shares) and Mr Samuel Hargreaves (25–50% of shares). Before that, it was controlled by Mr Stephen James Kay-Jones.
Who runs Mortgage Factory UK?
Companies House lists 2 directors of Mortgage Factory UK: Alan Dennis Lyne and Samuel Hargreaves.
How long has Mortgage Factory UK been in business?
The company was formed on 25 July 2007.
What do Mortgage Factory UK’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £287 (down £668 from £955).
Does Mortgage Factory UK use any other names?
It trades as The Mortgage Factory. It has previously used the name TMF Wealth Management.

Sources and links

The full report on Mortgage Factory UK Ltd

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