Nestra Lending Limited

Reference number: 302731

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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 mhbs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01858 412412 is, and the other firm that gives it
  • Who else gives the postcode LE16 7PD
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Other names (1)

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

  • MARKET HARBOROUGH MORTGAGES LIMITED Former name: A name it was registered under before.

FCA permissions and consumer protection

  • 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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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 status
Active
Company type
Private limited company
Incorporated
5 August 1994 (32 years old)
Registered office
Welland House, The Square, Market Harborough, Leics, LE16 7PD
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Iain Kirkpatrick Director Jul 1972 19 Sep 2022 None
Lesley Jane Titcomb Director Jun 1961 1 Feb 2024 8 other companies
Mark Stewart Record Director Jan 1960 3 Aug 2026 None
Cara Louise Peabody Secretary Not published 29 Jul 2026 –

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
8
closed down
2
are FCA-registered
3

In the full report: all 8 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 on the FCA register
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Full accountsNot audited

Turnover

£0

No earlier figure to compare

Profit before tax

£0

No earlier figure to compare

Net assets

£1.18m

No earlier figure to compare

Cash at bank

£0

No earlier figure to compare

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 02956027. 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

Nestra Lending’s history from the FCA register and Companies House, newest first.

2026

24 April 2026

  • Changed its registered name from "MARKET HARBOROUGH MORTGAGES LIMITED"

FCA register

2016

6 April 2016

  • Market Harborough Building Society took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1994

5 August 1994

  • Incorporated at Companies House

Companies House

In the full report: all 40 events

  • All 40 events in its history (6 shown here)
  • Every director appointment and resignation: 31
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Firms connected to Nestra Lending

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

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Nestra Lending

Other firms of the same type (lender), nearest first.

In Market Harborough

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 Nestra Lending

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 40 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Nestra Lending Limited FCA authorised?
Yes, Nestra Lending Limited (FRN 302731) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a lender. The FCA has placed no limits on its permissions.
What is Nestra Lending’s phone number and website?
The FCA register lists the phone number 01858 412412 and the website mhbs.co.uk for Nestra Lending. 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 Nestra Lending a scam or clone?
Nestra Lending 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 Nestra Lending?
It may control client money but not hold it. Protection depends on which product you hold and how Nestra Lending handles your money, so check the specific product before you commit. You can also refer complaints about Nestra Lending to the Financial Ombudsman Service, free of charge.
Who owns Nestra Lending?
Nestra Lending is owned by Market Harborough Building Society, which holds 75–100% of shares, since 6 April 2016.
Who runs Nestra Lending?
Companies House lists 3 directors of Nestra Lending: Iain Kirkpatrick, Lesley Jane Titcomb and Mark Stewart Record.
How long has Nestra Lending been in business?
The company was formed on 5 August 1994, and has held its current FCA authorisation since October 2004.
What do Nestra Lending’s latest accounts show?
Its latest accounts, to 31 December 2023, show turnover of £0 (no earlier figure to compare) and profit before tax of £0 (no earlier figure to compare).
Does Nestra Lending use any other names?
It has previously used the name MARKET HARBOROUGH MORTGAGES LIMITED.

Sources and links

The full report on Nestra Lending Limited

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