Needham Mortgage Centre Limited

Reference number: 486076

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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 themortgagecentres.co.uk first appeared online, and whether it can receive email
  • What kind of line 01449 721216 is
  • Who else gives the postcode IP6 8AP
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Other names (13)

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

  • Premier Equity Release Trading name
  • The Mortgage Centres Trading name
  • Bury Mortgage Centre Former trading name
  • Diss Mortgage Centre Former trading name
  • Haverhill Mortgage Centre Former trading name
  • Just Bad Credit Former trading name
  • Just Buy to Let Former trading name
  • Just Impaired Former trading name
  • Just Mortgage Brokers Former trading name
  • Leiston Mortgage Centre Former trading name
  • Sudbury Mortgage Centre Former trading name
  • The Equity Release Centre Former trading name
  • Woodbridge Mortgage Centre 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.
  • 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 (13 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
06562405
Company status
Active
Company type
Private limited company
Incorporated
10 April 2008 (18 years old)
Registered office
22-24 High Street, Needham Market, Suffolk, IP6 8AP, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip David Scott Director Apr 1969 10 Apr 2008 27 other companies
Emily Scott Secretary Not published 10 Apr 2008 –

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
27
closed down
15
are FCA-registered
4

In the full report: all 27 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
  • The 4 on the FCA register
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£486k

−15% from £572k

Cash at bank

£7,228

−96% from £178k

Owed within a year

£144k

−15% from £170k

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.

Accounts filed at Companies House for company 06562405. 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

Needham Mortgage Centre’s history from the FCA register and Companies House, newest first.

Key events (5) All events (32)

2016

6 April 2016

  • Philip David Scott took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

3 February 2009

  • Regulated by the Financial Services Authority from this date

FCA register

2 February 2009

  • Became authorised by the FCA

FCA register

2008

10 April 2008

  • Incorporated at Companies House

Companies House

In the full report: all 32 events

  • All 32 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Needham Mortgage Centre

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

connected firms
4
share a director
4
share its postcode
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Needham Mortgage Centre

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

In Ipswich

Abacus Colchester LimitedIpswichAuthorisedBENEFITS2U LimitedIpswichAuthorisedIpswich Mortgage Centre LimitedIpswichAuthorisedLendese LimitedIpswichAuthorisedLighthouse Independent Financial Solutions LimitedIpswichAuthorisedMatthew GalloIpswichAuthorised

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 Needham Mortgage Centre

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 32 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Needham Mortgage Centre Limited FCA authorised?
Yes, Needham Mortgage Centre Limited (FRN 486076) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2009 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Needham Mortgage Centre’s phone number and website?
The FCA register lists the phone number 01449 721216 and the website themortgagecentres.co.uk for Needham Mortgage Centre. If you were given different contact details, use these to check with the firm before going any further.
Is Needham Mortgage Centre a scam or clone?
Needham Mortgage Centre 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 Needham Mortgage Centre?
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 Needham Mortgage Centre to the Financial Ombudsman Service, free of charge.
Who owns Needham Mortgage Centre?
Companies House lists one person with significant control of Needham Mortgage Centre: Mr Philip David Scott (75–100% of shares).
Who runs Needham Mortgage Centre?
Companies House lists one director of Needham Mortgage Centre: Philip David Scott.
How long has Needham Mortgage Centre been in business?
The company was formed on 10 April 2008, and has held its current FCA authorisation since February 2009.
What do Needham Mortgage Centre’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £486k (−15% from £572k) and cash at bank of £7,228 (−96% from £178k).
Does Needham Mortgage Centre use any other names?
It trades as Premier Equity Release and The Mortgage Centres. It has previously used 11 other names, including Bury Mortgage Centre, Diss Mortgage Centre and Haverhill Mortgage Centre.

Sources and links

The full report on Needham Mortgage Centre Limited

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