Stowmarket Mortgage Centre Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2014
Accounts filed up to 31 March 2025

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.

Website

themortgagecentres.co.uk (opens in a new tab)
Phone number

01449 771500
Address

2-4 Bury Street, Stowmarket, Suffolk, IP14 1HH, United Kingdom

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 771500 is
Who else gives the postcode IP14 1HH

Other names (2)

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

Bury St Edmunds Mortgage Centre Trading name: A name it trades under now.
The Mortgage Centres Trading name: A name it trades under now.

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 (14 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
Dealing in investments as agent
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

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 09215301 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 September 2014 (12 years old)
Registered office: 4 Bury Street, Stowmarket, Suffolk, IP14 1HH, 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	12 Sep 2014	27 other companies
Carl James Shave	Director	Jun 1971	12 Sep 2014	5 other companies

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: 29
closed down: 16
are FCA-registered: 4

In the full report: all 29 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 4 on the FCA register
The 3 companies these 2 directors run together

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£46.2k

+17% from £39.6k

Owed within a year

£9,484

−18% from £11.6k

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

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 09215301. 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

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

Key events (6) All events (11)

2017

1 March 2017

Regulated by the FCA from this date
FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
Became authorised by the FCA

FCA register

2016

6 April 2016

Carl James Shave became the majority owner (50–75% of shares)
Philip David Scott became a part-owner (25–50% of shares)

Companies House

2014

12 September 2014

Incorporated at Companies House

Companies House

In the full report: all 11 events

All 11 events in its history (6 shown here)
Every director appointment and resignation: 2

Firms connected to Stowmarket Mortgage Centre

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

connected firms: 4
share a director: 4

In the full report: all 4 connected firms, named

How each is linked: shared directors (4)
Who links each one: the named directors, with dates

Firms like Stowmarket Mortgage Centre

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

In Stowmarket

Belham LimitedStowmarketAuthorised Shaun Calvert Mortgage Services LtdStowmarketAuthorised Simon Jeremy PurdomStowmarketAuthorised Simply Money LimitedStowmarketAuthorised Jason Dean FlackStowmarketAppointed representative

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 Stowmarket Mortgage Centre

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

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

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Frequently asked questions about this firm

Is Stowmarket Mortgage Centre Limited FCA authorised?

Yes, Stowmarket Mortgage Centre Limited (FRN 766242) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Stowmarket Mortgage Centre’s phone number and website?

The FCA register lists the phone number 01449 771500 and the website themortgagecentres.co.uk for Stowmarket Mortgage Centre. If you were given different contact details, use these to check with the firm before going any further.

Is Stowmarket Mortgage Centre a scam or clone?

Stowmarket 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 Stowmarket 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 Stowmarket Mortgage Centre to the Financial Ombudsman Service, free of charge.

Who owns Stowmarket Mortgage Centre?

Companies House lists 2 people with significant control of Stowmarket Mortgage Centre: Mr Carl James Shave (50–75% of shares) and Mr Philip David Scott (25–50% of shares).

Who runs Stowmarket Mortgage Centre?

Companies House lists 2 directors of Stowmarket Mortgage Centre: Philip David Scott and Carl James Shave.

How long has Stowmarket Mortgage Centre been in business?

The company was formed on 12 September 2014, and has held its current FCA authorisation since March 2017.

What do Stowmarket Mortgage Centre’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £46.2k (+17% from £39.6k).

Does Stowmarket Mortgage Centre use any other names?

It trades as Bury St Edmunds Mortgage Centre and The Mortgage Centres.