Mortgage Monster Limited

Reference number: 845616

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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 (Derby) Limited Reference number: 466154 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 Monster Limited (FRN 845616) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Mortgage Monster's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgage Monster, 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 mortgagemonster.co.uk first appeared online, and whether it can receive email
  • What kind of line 01702 864848 is
  • Who else gives the postcode SS0 0NW
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Other names (2)

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

  • Mortgage Monster Essex Trading name
  • MM Commercial Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau (Derby) 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
11726196
Company status
Active
Company type
Private limited company
Incorporated
13 December 2018 (7 years old)
Registered office
120 Prince Ave, Westcliff-On-Sea, Essex, SS0 0NW, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Barry Lee Clark Director Aug 1980 13 Dec 2018 4 other companies

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 companies
4
closed down
1
still active
3

In the full report: all 4 companies, 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
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£3,515

Up £5,837 from −£2,322

Employees (average)

4

Up 4 from 0

Owed within a year

£45.2k

+15% from £39.2k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 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 11726196. 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 Monster’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2019

10 July 2019

  • Became an appointed representative

FCA register

2018

13 December 2018

  • Incorporated at Companies House
  • Barry Lee Clark took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Mortgage Monster

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

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

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

In Westcliff-On-Sea

Essex Money LtdWestcliff-On-SeaAppointed representativeOakwood Mortgages LimitedWestcliff-On-SeaAppointed representativeAffinity Mortgages LimitedWestcliff-On-SeaAuthorised

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 Monster

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

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

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Frequently asked questions about this firm

Is Mortgage Monster Limited FCA authorised?
Mortgage Monster Limited (FRN 845616) 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 Monster?
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 Monster Limited (FRN 845616) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Mortgage Monster's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Monster, 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 Monster’s phone number and website?
The FCA register lists the phone number 01702 864848 and the website mortgagemonster.co.uk for Mortgage Monster. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage Monster a scam or clone?
Mortgage Monster 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 Monster?
Protection works through Mortgage Advice Bureau (Derby) Limited, the principal firm responsible for Mortgage Monster's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mortgage Monster?
Companies House lists one person with significant control of Mortgage Monster: Mr Barry Lee Clark (75–100% of shares).
Who runs Mortgage Monster?
Companies House lists one director of Mortgage Monster: Barry Lee Clark.
How long has Mortgage Monster been in business?
The company was formed on 13 December 2018.
What do Mortgage Monster’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £3,515 (up £5,837 from −£2,322).
Does Mortgage Monster use any other names?
It trades as Mortgage Monster Essex. It has previously used the name MM Commercial.

Sources and links

The full report on Mortgage Monster Limited

£19.99 · Instant PDF download

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