Mortgage Salad Limited

Reference number: 566220

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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, 1 thing worth a closer look

  • When 55plus.co.uk first appeared online, and whether it can receive email
  • What kind of line 01892 458780 is
  • Who else gives the postcode TN2 3QP
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Other names (10)

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

  • 55+ Equity Release Trading name
  • 55Plus Trading name
  • 55Plus Equity Release Trading name
  • Equity Release Guru Trading name
  • Panda Later Life Lending Trading name
  • Renaissance Finance Trading name
  • Silver Wealth Trading name
  • The Equity Release Advice Company Trading name
  • Equity Release Lancashire Former trading name
  • PS Equity Release Former trading name

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.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (8 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts

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
05941708
Company status
Active
Company type
Private limited company
Incorporated
20 September 2006 (20 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jan Johnson Director Mar 1963 20 Sep 2006 2 other companies
Adrian Johnson Director Oct 1949 12 Sep 2019 None
Julian Weekes Secretary Not published 30 Oct 2024 –

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
2
closed down
2

In the full report: all 2 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
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£201k

−3% from £207k

Employees (average)

3

+50% from 2

Owed within a year

£98.6k

+239% from £29.1k

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 05941708. 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 Salad’s history from the FCA register and Companies House, newest first.

Key events (5) All events (22)

2016

27 August 2016

  • Jan Johnson took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

20 January 2012

  • Became authorised by the FCA

FCA register

16 January 2012

  • Regulated by the Financial Services Authority from this date

FCA register

2006

20 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Mortgage Salad

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

In Tunbridge Wells

Wells Financial LtdTunbridge WellsAuthorisedCMC Financial LtdTunbridge WellsAppointed representativeDaniel KitchenerTunbridge WellsAppointed representativeDeborah Fiona BriggsTunbridge WellsAppointed representativeLois Browning Financial LimitedTunbridge WellsAppointed representativeNext Step Financial Solutions LtdTunbridge WellsAppointed 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 Salad

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 22 events in its history

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Frequently asked questions about this firm

Is Mortgage Salad Limited FCA authorised?
Yes, Mortgage Salad Limited (FRN 566220) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2012 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Mortgage Salad’s phone number and website?
The FCA register lists the phone number 01892 458780 and the website 55plus.co.uk for Mortgage Salad. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage Salad a scam or clone?
Mortgage Salad 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 Salad?
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 Salad to the Financial Ombudsman Service, free of charge.
Who owns Mortgage Salad?
Companies House lists one person with significant control of Mortgage Salad: Mrs Jan Johnson (75–100% of shares).
Who runs Mortgage Salad?
Companies House lists 2 directors of Mortgage Salad: Jan Johnson and Adrian Johnson.
How long has Mortgage Salad been in business?
The company was formed on 20 September 2006, and has held its current FCA authorisation since January 2012.
What do Mortgage Salad’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £201k (−3% from £207k).
Does Mortgage Salad use any other names?
It trades as 55+ Equity Release, 55Plus, 55Plus Equity Release, Equity Release Guru and Panda Later Life Lending, and 3 more names. It has previously used 2 other names: Equity Release Lancashire and PS Equity Release.

Sources and links

The full report on Mortgage Salad Limited

£19.99 · Instant PDF download

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