The Mortgage Expert Group Limited

Reference number: 980777

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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 tmexpert.co.uk first appeared online, and whether it can receive email
  • What kind of line 01582 450000 is
  • Who else gives the postcode MK45 4HS
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Other names (5)

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

  • Buy to Let Mortgage Expert Trading name
  • CCJ Mortgage Expert Trading name
  • Expat Mortgage Expert Trading name
  • IVA Mortgage Expert Trading name
  • The Mortgage Expert 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 (12 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
  • Credit Broking
  • 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
11642575
Company status
Active
Company type
Private limited company
Incorporated
25 October 2018 (8 years old)
Registered office
Endeavour House, Wrest Park, Silsoe, Bedfordshire, MK45 4HS, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Ryan Nathan Radford Director Jan 1974 25 Oct 2018 13 other companies
Damon John Palmer Director Sep 1967 15 Jan 2019 2 other companies

Other companies run by these 2 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
13
closed down
7
is FCA-registered
1

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 2 companies these 2 directors run together
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£2,224

−178% from £2,861

Employees (average)

3

Same as 3

Owed within a year

£20.5k

−49% from £40.1k

Net assets are negative: on its last balance sheet the company owed £2,224 more than it owned.

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 11642575. 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 Expert Group’s history from the FCA register and Companies House, newest first.

Key events (10) All events (18)

2024

14 March 2024

  • Cez Properties Limited took control (75–100% of shares)
  • Zebra Money Limited stopped being the majority owner

Companies House

2023

17 March 2023

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

FCA register

2021

1 January 2021

  • Zabrina Radford stopped being a part-owner

Companies House

2019

8 February 2019

  • Ryan Nathan Radford gave up control
  • Zabrina Radford became a part-owner (25–50% of shares)
  • Zebra Money Limited became the majority owner (50–75% of shares)

Companies House

2018

25 October 2018

  • Incorporated at Companies House
  • Ryan Nathan Radford took control (75–100% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (10 shown here)
  • Every director appointment and resignation: 2
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Firms connected to The Mortgage Expert Group

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

connected firms
4
no longer authorised
1
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like The Mortgage Expert Group

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

In Bedford

Anthony & Co Asset Management LtdBedfordAuthorisedClark Finance LtdBedfordAuthorisedFinancial Matters (UK) LtdBedfordAuthorisedLess Stress Mortgages LimitedBedfordAuthorisedManor Mortgages LimitedBedfordAuthorisedMayfair Insurance and Mortgage Consultants LimitedBedfordAuthorised

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 Expert Group

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 18 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Mortgage Expert Group Limited FCA authorised?
Yes, The Mortgage Expert Group Limited (FRN 980777) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2023 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is The Mortgage Expert Group’s phone number and website?
The FCA register lists the phone number 01582 450000 and the website tmexpert.co.uk for The Mortgage Expert Group. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Expert Group a scam or clone?
The Mortgage Expert Group 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 Expert Group?
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 Expert Group to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Expert Group?
The Mortgage Expert Group is owned by Cez Properties Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 14 March 2024. Before that, it was controlled by Mr Ryan Nathan Radford, Zebra Money Limited and Mrs Zabrina Radford.
Who runs The Mortgage Expert Group?
Companies House lists 2 directors of The Mortgage Expert Group: Ryan Nathan Radford and Damon John Palmer.
How long has The Mortgage Expert Group been in business?
The company was formed on 25 October 2018, and has held its current FCA authorisation since March 2023.
What do The Mortgage Expert Group’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£2,224 (−178% from £2,861).
Does The Mortgage Expert Group use any other names?
It trades as Buy to Let Mortgage Expert, CCJ Mortgage Expert, Expat Mortgage Expert, IVA Mortgage Expert and The Mortgage Expert.

Sources and links

The full report on The Mortgage Expert Group Limited

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