The Mortgage Advice Club Ltd
Reference number: 969312
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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.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 October 2025
Responsible principal firm
Mortgage Advice Bureau (Derby) Limited Reference number: 466154 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.
- The Mortgage Advice Club Ltd (FRN 969312) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use The Mortgage Advice Club's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from The Mortgage Advice Club, 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.
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Phone number
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Address
32 Majors Loan, Falkirk, Falkirk, FK1 5QA, United Kingdom
In the full report: 3 background checks
- When themaclub.co.uk first appeared online, and whether it can receive email
- What kind of line 07498 569824 is
- Who else gives the postcode FK1 5QA
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau (Derby) 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, freeYou 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
- SC713352 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 October 2021 (5 years old)
- Registered office
- 1 Cambuslang Court, Cambuslang, Glasgow, Strathclyde, G32 8FH, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Life insurance (SIC 65110)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Liam James Anstruther | Director | Jun 1990 | 27 Oct 2021 | 5 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
- 5
- closed down
- 1
- are FCA-registered
- 2
In the full report: all 5 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
- The 2 on the FCA register
Filed accounts and finances
Net assets
£3,452
−79% from £16.8k
Cash at bank
£20.2k
No earlier figure to compare
Employees (average)
1
Same as 1
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2022 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 SC713352. 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 Mortgage Advice Club’s history from the FCA register and Companies House, newest first.
2022
4 February 2022
- Became an appointed representative
- Began trading as "The Mortgage Advice Club"
FCA register
2021
27 October 2021
- Incorporated at Companies House
- Liam James Anstruther took control (75–100% of shares)
- Liam James Anstruther appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to The Mortgage Advice Club
Other FCA-listed firms that share a director, phone number or address with The Mortgage Advice Club. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Firms like The Mortgage Advice Club
Other firms of the same type (insurance broker), nearest first.
In Falkirk
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 Mortgage Advice Club
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 3 background checks on its contact details
- 4 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is The Mortgage Advice Club Ltd FCA authorised?
What does appointed representative mean for The Mortgage Advice Club?
What is The Mortgage Advice Club’s phone number and website?
Is The Mortgage Advice Club a scam or clone?
Is my money safe with The Mortgage Advice Club?
Who owns The Mortgage Advice Club?
Who runs The Mortgage Advice Club?
How long has The Mortgage Advice Club been in business?
What do The Mortgage Advice Club’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk