TAC Mortgages Limited

Reference number: 836763

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Ingard Financial Limited Reference number: 450731 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • TAC Mortgages Limited (FRN 836763) is an AR of Ingard Financial Limited (FRN 450731). When you use TAC Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from TAC Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

  • No website on the FCA register

  • Phone number

    07393 928122

  • Address

    31 Moorgate Avenue, Liverpool, Sefton, L23 0UE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07393 928122 is
  • Who else gives the postcode L23 0UE
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Other names (2)

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

  • The Advice Centre Trading name
  • TAC Mortgages Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
11857075
Company status
Active
Company type
Private limited company
Incorporated
4 March 2019 (7 years old)
Registered office
31 Moorgate Avenue, Liverpool, L23 0UE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy Philip Mcinally Director Jun 1988 4 Mar 2019 2 other companies

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
2
still active
2

In the full report: all 2 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
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Filed accounts and finances

Year to 31 March 2023Micro-entity accountsNot audited

Net assets

−£11.2k

Down £620 from −£10.5k

Employees (average)

2

Same as 2

Owed within a year

£17.1k

+57% from £10.8k

Net assets are negative: on its last balance sheet the company owed £11.2k more than it owned.

The accounts for the year to 31 March 2023 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £55.1k, for the year to 31 March 2022.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • 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 11857075. 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

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

2026

14 July 2026

  • Changed its registered name from "TAC Mortgages Ltd"

FCA register

2019

15 March 2019

  • Became an appointed representative
  • Began trading as "The Advice Centre"

FCA register

4 March 2019

  • Incorporated at Companies House
  • Timothy Philip McInally took control (75–100% of shares)
  • Timothy Philip McInally appointed as a director

Companies House

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

Firms like TAC Mortgages

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

In Liverpool

Abode Financial Services LimitedLiverpoolAppointed representativeCaroline SeddonLiverpoolAppointed representativeChristopher Brian PeakeLiverpoolAppointed representativeCRC Mortgages LtdLiverpoolAppointed representativeFrank McCannLiverpoolAppointed representativei4 Finance LimitedLiverpoolAppointed 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 TAC Mortgages

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is TAC Mortgages Limited FCA authorised?
TAC Mortgages Limited (FRN 836763) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for TAC Mortgages?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. TAC Mortgages Limited (FRN 836763) is an AR of Ingard Financial Limited (FRN 450731). When you use TAC Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TAC Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is TAC Mortgages’ phone number?
The FCA register lists the phone number 07393 928122 for TAC Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is TAC Mortgages a scam or clone?
TAC 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 TAC Mortgages?
Protection works through Ingard Financial Limited, the principal firm responsible for TAC Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns TAC Mortgages?
Companies House lists one person with significant control of TAC Mortgages: Mr Timothy Philip McInally (75–100% of shares).
Who runs TAC Mortgages?
Companies House lists one director of TAC Mortgages: Timothy Philip McInally.
How long has TAC Mortgages been in business?
The company was formed on 4 March 2019.
What do TAC Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2023, show net assets of −£11.2k (down £620 from −£10.5k).
Does TAC Mortgages use any other names?
It trades as The Advice Centre. It has previously used the name TAC Mortgages Ltd.

Sources and links

The full report on TAC Mortgages Limited

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