The Mortgage Exchange Ltd

Reference number: 924718

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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 mortgageexchangeltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 0141 846 2266 is
  • Who else gives the postcode ML3 0FD
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Other names (8)

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

  • Debt Busters Trading name
  • Mortgage Busters Trading name
  • The Bridging Exchange Trading name
  • The Buy To Let Exchange Trading name
  • TME Protect Trading name
  • Buy To Let Exchange Former trading name
  • Mortgage Exchange Former trading name
  • Mortgage Marvels Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
SC648401
Company status
Active
Company type
Private limited company
Incorporated
29 November 2019 (6 years old)
Registered office
3 Candymill Lane, Hamilton, ML3 0FD, Scotland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Maria Cuthbertson Director Jun 1976 29 Nov 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£27.1k

−23% from £35.1k

Cash at bank

£13.1k

No earlier figure to compare

Employees (average)

20

+43% from 14

Owed within a year

£239k

+29% from £186k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • 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 SC648401. 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 Exchange’s history from the FCA register and Companies House, newest first.

Key events (8) All events (27)

2022

23 March 2022

  • Amanda Park stopped being a part-owner
  • Garry Cowan stopped being a part-owner

Companies House

16 March 2022

  • Garry Cowan became a part-owner (25–50% of shares)

Companies House

2020

21 July 2020

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

FCA register

2019

29 November 2019

  • Incorporated at Companies House
  • Amanda Park became a part-owner (25–50% of shares)
  • Maria Cuthbertson became the majority owner (50–75% of shares)

Companies House

In the full report: all 27 events

  • All 27 events in its history (8 shown here)
  • Every director appointment and resignation: 7
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Firms like The Mortgage Exchange

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

In the Motherwell (ML) postcode area

Braxfield Financial Services LtdLanarkAuthorisedDKR Financial ServicesLanarkAuthorisedH.b. Mortgage Solutions Ltd.HamiltonAuthorisedHc2m Independent Mortgage Shop Ltd.CoatbridgeAuthorisedLindsay William CookLanarkAuthorisedMack Financial Services LimitedCoatbridgeAuthorised

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 Exchange

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 27 events in its history

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Frequently asked questions about this firm

Is The Mortgage Exchange Ltd FCA authorised?
Yes, The Mortgage Exchange Ltd (FRN 924718) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2020 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is The Mortgage Exchange’s phone number and website?
The FCA register lists the phone number 0141 846 2266 and the website mortgageexchangeltd.co.uk for The Mortgage Exchange. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Exchange a scam or clone?
The Mortgage Exchange 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 Exchange?
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 Exchange to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Exchange?
Companies House lists one person with significant control of The Mortgage Exchange: Ms Maria Cuthbertson (50–75% of shares). Before that, it was controlled by Mr Garry Cowan and Ms Amanda Park.
Who runs The Mortgage Exchange?
Companies House lists one director of The Mortgage Exchange: Maria Cuthbertson.
How long has The Mortgage Exchange been in business?
The company was formed on 29 November 2019, and has held its current FCA authorisation since July 2020.
What do The Mortgage Exchange’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £27.1k (−23% from £35.1k) and cash at bank of £13.1k (no earlier figure to compare).
Does The Mortgage Exchange use any other names?
It trades as Debt Busters, Mortgage Busters, The Bridging Exchange, The Buy To Let Exchange and TME Protect. It has previously used 3 other names: Buy To Let Exchange, Mortgage Exchange and Mortgage Marvels.

Sources and links

The full report on The Mortgage Exchange Ltd

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