Refresh Mortgage Network Limited

Reference number: 826982

Instant download

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 refreshnetwork.co.uk first appeared online, and whether it can receive email
  • What kind of line 01925 984284 is
  • Who else gives the postcode WA1 2NZ
Instant PDF download
Other names (10)

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

  • The UK Mortgage Centre Trading name
  • Warrington Mortgage Centre Trading name
  • Mortgage Centre (NW) Ltd Former name
  • THE UK MORTGAGE CENTRE GROUP Former name
  • Altrincham Mortgage Centre Former trading name
  • Liverpool Mortgage Centre Former trading name
  • Newton-le-Willows Mortgage Centre Former trading name
  • Runcorn Mortgage Centre Former trading name
  • The UK Equity Release Centre Former trading name
  • Widnes 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 (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • 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

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
11614569
Company status
Active
Company type
Private limited company
Incorporated
10 October 2018 (8 years old)
Registered office
207 Knutsford Road Grappenhall, Warrington, Cheshire, WA4 2QL, United Kingdom
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Sam Tyler Fox Director Jun 1992 10 Oct 2018 1 other company
Fraser Thomas Kelly Director Aug 1984 6 Apr 2024 10 other companies
Sam Fox Secretary Not published 10 Oct 2018 –

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
11
closed down
2
is FCA-registered
1

In the full report: all 11 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
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£24.6k

Same as £24.6k

Cash at bank

£3,080

−71% from £10.7k

Employees (average)

2

+100% from 1

Owed within a year

£7,080

−98% from £306k

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
Instant PDF download
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 11614569. 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

Refresh Mortgage Network’s history from the FCA register and Companies House, newest first.

Key events (8) All events (27)

2024

16 April 2024

  • Changed its registered name from "THE UK MORTGAGE CENTRE GROUP"

FCA register

6 April 2024

  • Fraser Thomas Kelly became the majority owner (50–75% of shares)
  • Sam Fox gave up control

Companies House

2022

27 July 2022

  • Changed its registered name from "Mortgage Centre (NW) Ltd"

FCA register

2019

1 April 2019

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

FCA register

2018

10 October 2018

  • Incorporated at Companies House
  • Sam Fox took control (75–100% of shares)

Companies House

In the full report: all 27 events

  • All 27 events in its history (8 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms connected to Refresh Mortgage Network

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

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Refresh Mortgage Network

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

In Warrington

All Money Matters LimitedWarringtonAuthorisedAscot Mortgages LimitedWarringtonAuthorisedEfinity Finance LimitedWarringtonAuthorisedFaraday Mortgage Associates LimitedWarringtonAuthorisedGH INDEPENDENT Mortgages LIMITEDWarringtonAuthorisedPremier Mortgages (North West) LimitedWarringtonAuthorised

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 Refresh Mortgage Network

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 27 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Refresh Mortgage Network Limited FCA authorised?
Yes, Refresh Mortgage Network Limited (FRN 826982) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2019 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Refresh Mortgage Network’s phone number and website?
The FCA register lists the phone number 01925 984284 and the website refreshnetwork.co.uk for Refresh Mortgage Network. If you were given different contact details, use these to check with the firm before going any further.
Is Refresh Mortgage Network a scam or clone?
Refresh Mortgage Network 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 Refresh Mortgage Network?
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 Refresh Mortgage Network to the Financial Ombudsman Service, free of charge.
Who owns Refresh Mortgage Network?
Companies House lists one person with significant control of Refresh Mortgage Network: Mr Fraser Thomas Kelly (50–75% of shares). Before that, it was controlled by Mr Sam Fox.
Who runs Refresh Mortgage Network?
Companies House lists 2 directors of Refresh Mortgage Network: Sam Tyler Fox and Fraser Thomas Kelly.
How long has Refresh Mortgage Network been in business?
The company was formed on 10 October 2018, and has held its current FCA authorisation since April 2019.
What do Refresh Mortgage Network’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £24.6k (same as £24.6k) and cash at bank of £3,080 (−71% from £10.7k).
Does Refresh Mortgage Network use any other names?
It trades as The UK Mortgage Centre and Warrington Mortgage Centre. It has previously used 8 other names, including Mortgage Centre (NW) Ltd, THE UK MORTGAGE CENTRE GROUP and Altrincham Mortgage Centre.

Sources and links

The full report on Refresh Mortgage Network Limited

£19.99 · Instant PDF download

Loading secure checkout…