Mortgage Fixed Limited

Reference number: 1034463

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 mortgagefixed.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 646 1795 is
  • Who else gives the postcode EH2 1JE
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
SC753999
Company status
Active
Company type
Private limited company
Incorporated
30 December 2022 (3 years old)
Registered office
3 Queen Street, Edinburgh, EH2 1JE, Scotland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Ross Michael Hammond Director Jun 1986 30 Dec 2022 None
Craig Morrison Director Dec 1987 30 Dec 2022 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 March 2026Small company accountsNot audited

Net assets

£99.4k

+9% from £91.2k

Cash at bank

£109k

+136% from £46.4k

Employees (average)

4

+33% from 3

Owed within a year

£70.3k

+165% from £26.5k

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 SC753999. 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 Fixed’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2025

11 December 2025

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2022

30 December 2022

  • Incorporated at Companies House
  • Craig Morrison became the majority owner (50–75% of shares)
  • Ross Michael Hammond became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Mortgage Fixed

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

connected firms
3
no longer authorised
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Mortgage Fixed

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

In Edinburgh

Alan SutherlandEdinburghAuthorisedBritannia Financial (UK) LimitedEdinburghAuthorisedBTL Mortgages Scotland LtdEdinburghAuthorisedColin James GourlayEdinburghAuthorisedCurrancy LimitedEdinburghAuthorisedDow Mortgage Services LimitedEdinburghAuthorised

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 Fixed

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
  • All 8 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Mortgage Fixed Limited FCA authorised?
Yes, Mortgage Fixed Limited (FRN 1034463) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2025 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Mortgage Fixed’s phone number and website?
The FCA register lists the phone number 0345 646 1795 and the website mortgagefixed.co.uk for Mortgage Fixed. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage Fixed a scam or clone?
Mortgage Fixed 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 Fixed?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Mortgage Fixed to the Financial Ombudsman Service, free of charge.
Who owns Mortgage Fixed?
Companies House lists 2 people with significant control of Mortgage Fixed: Mr Craig Morrison (50–75% of shares) and Mr Ross Michael Hammond (25–50% of shares).
Who runs Mortgage Fixed?
Companies House lists 2 directors of Mortgage Fixed: Ross Michael Hammond and Craig Morrison.
How long has Mortgage Fixed been in business?
The company was formed on 30 December 2022, and has held its current FCA authorisation since December 2025.
What do Mortgage Fixed’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £99.4k (+9% from £91.2k) and cash at bank of £109k (+136% from £46.4k).

Sources and links

The full report on Mortgage Fixed Limited

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