The Mortgage Business Public Limited Company

Reference number: 304154

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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 t-m-b.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 725 3253 is
  • Who else gives the postcode HX1 2RG
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Other names (1)

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

  • TMB Trading name

FCA permissions and consumer protection

  • 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 (3 permissions)
  • Administering a regulated mortgage contract
  • Credit Broking
  • 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)

FCA disciplinary action

FCA action

fine
1
in fines
£64.0m
most recent
June 2020
  • Fined £64.05m on 11 June 2020
    The FCA has taken enforcement action against Lloyds Bank PLC, Bank of Scotland plc, and The Mortgage Business Plc (“the Banks”) because between 7 April 2011 and 21 December 2015 (the “Relevant Period”), the Banks breached Principles 3 and 6 of the Authority’s Principles for Businesses. As a consequence of this action, the Banks received a financial penalty of £64,046,800 pursuant to section 206 of the Act. The Banks agreed to resolve all issues of fact and liability and qualified for a 30% discount under the Authority’s executive settlement procedures. Were it not for this discount, the Authority would have imposed a financial penalty of £91,495,400 on the Banks.     The FCA’s action took effect on 11 June 2020 and a copy of the Final Notice is displayed on the FCA’s web site.

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
01997277
Company status
Active
Company type
Public limited company
Incorporated
7 March 1986 (40 years old)
Registered office
Trinity, Road, Halifax, HX1 2RG
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Asaam Director Jun 1971 27 Feb 2023 2 other companies
Ricky Diggins Director May 1973 14 Jun 2023 1 other company
Melanie Candice Campbell Director May 1974 29 Sep 2023 1 other company
Hiral Gogoi Director Aug 1979 21 Aug 2026 5 other companies
Denette Ogun Secretary Not published 23 Sep 2026 –

Other companies run by these 4 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
8
still active
8
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register, including one no longer authorised
  • The 1 company these 4 directors run together
  • All 48 people who have ever been directors, with their dates
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Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

Key events (6) All events (100)

2020

11 June 2020

  • Fined £64.05m by the FCA

FCA register

2016

6 April 2016

  • Bank Of Scotland PLC took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1986

7 March 1986

  • Incorporated at Companies House

Companies House

In the full report: all 100 events

  • All 100 events in its history (6 shown here)
  • Every director appointment and resignation: 88
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Connected firms

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Similar firms

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

In Halifax

Mohammed ShahbazHalifaxAuthorisedMohammed Waseem Saleem and Mohammed SaleemHalifaxAuthorisedMr Jaswant Singh HareHalifaxAuthorisedSusan Karen HolmesHalifaxAppointed representativeC.j. Tafft LimitedHalifaxAuthorisedJohn Winter & Company LimitedHalifaxAuthorised

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 this firm

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 100 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 Business Public Limited Company FCA authorised?
Yes, The Mortgage Business Public Limited Company (FRN 304154) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a credit broker. The FCA has placed no limits on its permissions.
What is The Mortgage Business Public Limited Company’s phone number and website?
The FCA register lists the phone number 0345 725 3253 and the website t-m-b.co.uk for The Mortgage Business Public Limited Company. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Business Public Limited Company a scam or clone?
The Mortgage Business Public Limited Company 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 Mortgage Business Public Limited Company?
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 The Mortgage Business Public Limited Company to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Business Public Limited Company?
The Mortgage Business Public Limited Company is owned by Bank Of Scotland PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs The Mortgage Business Public Limited Company?
Companies House lists 4 directors of The Mortgage Business Public Limited Company: Andrew Asaam, Ricky Diggins, Melanie Candice Campbell and Hiral Gogoi.
How long has The Mortgage Business Public Limited Company been in business?
The company was formed on 7 March 1986, and has held its current FCA authorisation since October 2004.
Has the FCA taken action against The Mortgage Business Public Limited Company?
Yes. The FCA register records 1 fine in 2020, £64.05m in total. The details are in the disciplinary section above, with links to the FCA's notices.
Does The Mortgage Business Public Limited Company use any other names?
It trades as TMB.

Sources and links

The full report on The Mortgage Business Public Limited Company

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