Mustard Mortgages Limited

Reference number: 959178

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Mustard Mortgages Limited (FRN 959178) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mustard Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mustard Mortgages, 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.

  • No website on the FCA register

  • Phone number

    07508 256665

  • Address

    The Rivendell Centre, White Horse Lane, Maldon, Essex, CM9 5QP, United Kingdom

In the full report: 2 background checks

  • What kind of line 07508 256665 is, and the other firm that gives it
  • Who else gives the postcode CM9 5QP
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Other names (1)

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

  • Temme English Financial Services Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
12699558
Company status
Active
Company type
Private limited company
Incorporated
26 June 2020 (6 years old)
Registered office
C/O Xeinadin South Essex Ltd The Rivendell Centre, White Horse Lane, Maldon, CM9 5QP, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen English Director May 1978 26 Jun 2020 3 other companies
Carl Wakefield Temme Director Aug 1975 26 Jun 2020 3 other companies
Zoe May Bradbury Director Jun 1981 27 Jul 2021 2 other companies

Other companies run by these 3 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
5
closed down
1
run together
3

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 companies these 3 directors run together
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Filed accounts and finances

Year to 30 June 2026Small company accountsNot audited

Net assets

£16.0k

+15% from £13.9k

Cash at bank

£27.5k

−9.7% from £30.4k

Employees (average)

4

Same as 4

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2026
  • 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 12699558. 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

Mustard Mortgages’s history from the FCA register and Companies House, newest first.

Key events (7) All events (10)

2024

9 January 2024

  • Changed its registered name from "Temme English Financial Services Limited"

FCA register

2021

28 September 2021

  • Became an appointed representative

FCA register

27 July 2021

  • Zoe May Bradbury became a part-owner (25–50% of shares)
  • Zoe May Bradbury stopped being a part-owner

Companies House

2020

26 June 2020

  • Incorporated at Companies House
  • Carl Wakefield Temme became a part-owner (25–50% of shares)
  • Stephen English became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Mustard Mortgages

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

connected firms
2
share its phone number
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Mustard Mortgages

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

In Maldon

Deane Renaut BakerMaldonAppointed representativeLgj Business Consulting LtdMaldonAppointed representativeNeil SalmonMaldonAppointed representativeWilson & Anderson Financial Solutions LtdMaldonAppointed representativeCovertriumph LimitedMaldonAuthorised

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 Mustard Mortgages

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

  • 5 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 10 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Mustard Mortgages Limited FCA authorised?
Mustard Mortgages Limited (FRN 959178) 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 Mustard Mortgages?
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. Mustard Mortgages Limited (FRN 959178) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mustard Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mustard Mortgages, 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 Mustard Mortgages’ phone number?
The FCA register lists the phone number 07508 256665 for Mustard Mortgages. 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 Mustard Mortgages a scam or clone?
Mustard Mortgages 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 Mustard Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Mustard Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mustard Mortgages?
Companies House lists 3 people with significant control of Mustard Mortgages: Miss Zoe May Bradbury (25–50% of shares), Mr Stephen English (25–50% of shares) and Mr Carl Wakefield Temme (25–50% of shares).
Who runs Mustard Mortgages?
Companies House lists 3 directors of Mustard Mortgages: Stephen English, Carl Wakefield Temme and Zoe May Bradbury.
How long has Mustard Mortgages been in business?
The company was formed on 26 June 2020.
What do Mustard Mortgages’ latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of £16.0k (+15% from £13.9k) and cash at bank of £27.5k (−9.7% from £30.4k).
Does Mustard Mortgages use any other names?
It has previously used the name Temme English Financial Services Limited.

Sources and links

The full report on Mustard Mortgages Limited

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