Northbay Mortgages Ltd

Reference number: 820092

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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 northbaymortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07800 756938 is
  • Who else gives the postcode YO11 3YJ
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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 · Arrange equity release 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 advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
11475308
Company status
Active
Company type
Private limited company
Incorporated
20 July 2018 (8 years old)
Registered office
Cayley Court, Hopper Hill Road, Scarborough, North Yorkshire, YO11 3YJ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew St Pierre Director Apr 1969 20 Jul 2018 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£30.6k

+54% from £19.8k

Employees (average)

1

Same as 1

Owed within a year

£8,836

+40% from £6,290

Assets and liabilities

In the full report: all 7 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 11475308. 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

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

2023

6 November 2023

  • FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

2019

2 January 2019

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2018

20 July 2018

  • Incorporated at Companies House
  • Andrew St Pierre took control (75–100% of shares)
  • Andrew St pierre appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Northbay Mortgages

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

In Scarborough

Hinchliffe Financial Services LtdScarboroughAppointed representative

In the York (YO) postcode area

All Financial Advice LtdYorkAuthorisedDerek BlackhurstSelbyAuthorisedDerwent Mortgages LimitedYorkAuthorisedEbor Mortgages LimitedYorkAuthorisedFenton Simpson Financial Services LtdYorkAuthorised

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 Northbay Mortgages

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Northbay Mortgages Ltd FCA authorised?
Yes, Northbay Mortgages Ltd (FRN 820092) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2019 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Northbay Mortgages’ phone number and website?
The FCA register lists the phone number 07800 756938 and the website northbaymortgages.co.uk for Northbay Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Northbay Mortgages a scam or clone?
Northbay 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 Northbay Mortgages?
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 Northbay Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Northbay Mortgages?
Companies House lists one person with significant control of Northbay Mortgages: Mr Andrew St Pierre (75–100% of shares).
Who runs Northbay Mortgages?
Companies House lists one director of Northbay Mortgages: Andrew St Pierre.
How long has Northbay Mortgages been in business?
The company was formed on 20 July 2018, and has held its current FCA authorisation since January 2019.
What do Northbay Mortgages’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £30.6k (+54% from £19.8k).

Sources and links

The full report on Northbay Mortgages Ltd

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