On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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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No phone number on the FCA register
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Address
26 Church Road, Rainford, St. Helens, Merseyside, WA11 8HE, United Kingdom
In the full report: 1 background check
- Who else gives the postcode WA11 8HE
Other names (1)
If you were contacted under any of these names, it is this firm.
- Mortgage Guarantee Plc Former name: A name it was registered under before.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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
- 01487797 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 March 1980 (46 years old)
- Registered office
- Lynwood House, 373 - 375 Station Road, Harrow, Middlesex, HA1 2AW
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Susan Elizabeth Jameson | Director | Apr 1956 | 5 May 2026 | None |
| Kenneth Johnson | Director | Jan 1942 | Not published | 3 other companies |
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
- 3
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 3 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 one on the FCA register
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£15.1m
No earlier figure to compare
Cash at bank
£936k
+36% from £690k
Owed within a year
£166k
+18% from £141k
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
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.
Accounts filed at Companies House for company 01487797. 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 Guarantee’s history from the FCA register and Companies House, newest first.
2026
5 May 2026
- Susan Elizabeth Jameson appointed as a director
Companies House
9 March 2026
- Kenneth Johnson gave up control
- Security Funding Limited took control (75–100% of shares)
Companies House
2018
31 March 2018
- Marlene Hilary Johnson resigned as a director
Companies House
2016
25 May 2016
- Changed its registered name from "Mortgage Guarantee Plc"
FCA register
6 April 2016
- Kenneth Johnson took control (75–100% of shares)
Companies House
4 February 2016
- Regulated by the FCA from this date
- Registered with the FCA
FCA register
1980
27 March 1980
- Incorporated at Companies House
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Mortgage Guarantee
Other FCA-listed firms that share a director, phone number or address with Mortgage Guarantee. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Mortgage Guarantee
Other firms of the same type (mortgage adviser or broker), nearest first.
In St. Helens
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 Guarantee
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 1 background check on its contact details
- 6 years of accounts, charted
- All 9 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Mortgage Guarantee Limited FCA authorised?
Is Mortgage Guarantee a scam or clone?
Is my money safe with Mortgage Guarantee?
Who owns Mortgage Guarantee?
Who runs Mortgage Guarantee?
How long has Mortgage Guarantee been in business?
What do Mortgage Guarantee’s latest accounts show?
Does Mortgage Guarantee use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk