The Commercial Mortgage Practice Ltd

Reference number: 734778

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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 thecommercialmortgagepractice.com first appeared online, and whether it can receive email
  • What kind of line 01527 893311 is
  • Who else gives the postcode B96 6LB
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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 (6 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)
  • Providing Credit Information Services

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
07879120
Company status
Active
Company type
Private limited company
Incorporated
12 December 2011 (14 years old)
Registered office
Dragon Farm Edgiock, Astwood Bank, Redditch, Worcs, B96 6LB
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Abigail Estelle Caseley Director May 1985 12 Sep 2012 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Abridged accountsNot audited

Net assets

−£25.2k

Down £27.4k from £2,217

Cash at bank

£1,560

−96% from £35.7k

Employees (average)

5

Same as 5

Owed within a year

£17.5k

−14% from £20.4k

Net assets are negative: on its last balance sheet the company owed £25.2k more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2020 to 2024
  • 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 07879120. 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

The Commercial Mortgage Practice’s history from the FCA register and Companies House, newest first.

Key events (5) All events (12)

2016

6 April 2016

  • Esther May Herbert became a part-owner (25–50% of shares)
  • Malcolm Phillip Herbert became a part-owner (25–50% of shares)

Companies House

14 February 2016

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

FCA register

2011

12 December 2011

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like The Commercial Mortgage Practice

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

In Redditch

J. T. Finance LtdRedditchAuthorisedThomas P N LimitedRedditchAuthorisedWaring M LimitedRedditchAuthorised

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 The Commercial Mortgage Practice

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is The Commercial Mortgage Practice Ltd FCA authorised?
Yes, The Commercial Mortgage Practice Ltd (FRN 734778) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is The Commercial Mortgage Practice’s phone number and website?
The FCA register lists the phone number 01527 893311 and the website thecommercialmortgagepractice.com for The Commercial Mortgage Practice. If you were given different contact details, use these to check with the firm before going any further.
Is The Commercial Mortgage Practice a scam or clone?
The Commercial Mortgage Practice 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 The Commercial Mortgage Practice?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how The Commercial Mortgage Practice handles your money, so check the specific product before you commit. You can also refer complaints about The Commercial Mortgage Practice to the Financial Ombudsman Service, free of charge.
Who owns The Commercial Mortgage Practice?
Companies House lists 2 people with significant control of The Commercial Mortgage Practice: Mrs Esther May Herbert (25–50% of shares) and Mr Malcolm Phillip Herbert (25–50% of shares).
Who runs The Commercial Mortgage Practice?
Companies House lists one director of The Commercial Mortgage Practice: Abigail Estelle Caseley.
How long has The Commercial Mortgage Practice been in business?
The company was formed on 12 December 2011, and has held its current FCA authorisation since February 2016.
What do The Commercial Mortgage Practice’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of −£25.2k (down £27.4k from £2,217) and cash at bank of £1,560 (−96% from £35.7k).

Sources and links

The full report on The Commercial Mortgage Practice Ltd

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