The Mortgage Department Ltd

Reference number: 1020093

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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

White Rose Finance Group Limited Reference number: 630772 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.
  • The Mortgage Department Ltd (FRN 1020093) is an AR of White Rose Finance Group Limited (FRN 630772). When you use The Mortgage Department's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Mortgage Department, 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

    07876 622259

  • Address

    71 Vyse Street, Hockley, Birmingham, B18 6EX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07876 622259 is
  • Who else gives the postcode B18 6EX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through White Rose Finance Group 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
15209644
Company status
Active
Company type
Private limited company
Incorporated
13 October 2023 (3 years old)
Registered office
71 Vyse Street, Hockley, Birmingham, B18 6EX, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Zi Mirza Director Jun 1982 13 Oct 2023 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
still active
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
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£998

Up £997 from £1

Employees (average)

1

No earlier figure to compare

Owed within a year

£2,833

No earlier figure to compare

Net assets

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 15209644. 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 Department’s history from the FCA register and Companies House, newest first.

2024

11 October 2024

  • Became an appointed representative
  • Began trading as "The Mortgage Department"

FCA register

2023

13 October 2023

  • Incorporated at Companies House
  • Zi Mirza took control (75–100% of shares)
  • Zi Mirza appointed as a director

Companies House

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

Firms like The Mortgage Department

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

In Birmingham

Perk UK LtdBirminghamAppointed representativeWest Midlands Police FederationBirminghamAppointed representativeAlex WongBirminghamAppointed representativeAlliance Health PMI LimitedBirminghamAppointed representativeAscent Risk Solutions LimitedBirminghamAppointed representativeAyub ManzoorBirminghamAppointed 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 The Mortgage Department

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
  • 2 background checks on its contact details
  • All 5 events in its history

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Frequently asked questions about this firm

Is The Mortgage Department Ltd FCA authorised?
The Mortgage Department Ltd (FRN 1020093) 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 The Mortgage Department?
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 Department Ltd (FRN 1020093) is an AR of White Rose Finance Group Limited (FRN 630772). When you use The Mortgage Department's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Department, 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 The Mortgage Department’s phone number?
The FCA register lists the phone number 07876 622259 for The Mortgage Department. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Department a scam or clone?
The Mortgage Department 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 Department?
Protection works through White Rose Finance Group Limited, the principal firm responsible for The Mortgage Department's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Mortgage Department?
Companies House lists one person with significant control of The Mortgage Department: Mr Zi Mirza (75–100% of shares).
Who runs The Mortgage Department?
Companies House lists one director of The Mortgage Department: Zi Mirza.
How long has The Mortgage Department been in business?
The company was formed on 13 October 2023.
What do The Mortgage Department’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £998 (up £997 from £1).

Sources and links

The full report on The Mortgage Department Ltd

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