The Mortgage & Finance Clinic Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017
Accounts filed up to 30 April 2025

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.

Website

themortgageclinicuk.co.uk (opens in a new tab)
Phone number

028 9560 9410
Address

243 Upper Newtownards Road, Belfast, County Antrim, BT4 3JF, United Kingdom

In the full report: 3 background checks

When themortgageclinicuk.co.uk first appeared online, and whether it can receive email
What kind of line 028 9560 9410 is
Who else gives the postcode BT4 3JF

Other names (1)

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

The Mortgage Clinic Trading name: A name it trades under now.

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 (10 permissions)

Acting as a CBTL advisor
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: NI645367 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 April 2017 (9 years old)
Registered office: 243 Upper Newtownards Road, Belfast, BT4 3JF, Northern Ireland
Nature of business: Activities of mortgage finance companies (SIC 64922)
Financial intermediation not elsewhere classified (SIC 64999)
Life insurance (SIC 65110)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Helmut Mark Elstner	Director	Dec 1979	24 Apr 2017	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

Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£53.4k

+274% from £14.3k

Employees (average)

6

+20% from 5

Owed within a year

£62.8k

−25% from £84.2k

Net assets

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

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 NI645367. 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 & Finance Clinic’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2017

1 November 2017

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

FCA register

24 April 2017

Incorporated at Companies House
Helmut Mark Elstner took control (75–100% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 1

Firms connected to The Mortgage & Finance Clinic

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like The Mortgage & Finance Clinic

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

In Belfast

An Independent Mortgage Solution LtdBelfastAuthorised Anderson & MacAulay Mortgage Services LLPBelfastAuthorised Anthony Ronan MuldoonBelfastAuthorised Citywide Wealth LtdBelfastAuthorised James DugganBelfastAuthorised MCSM Financial LtdBelfastAuthorised

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 & Finance Clinic

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
3 background checks on its contact details
6 years of accounts, charted
All 7 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 & Finance Clinic Ltd FCA authorised?

Yes, The Mortgage & Finance Clinic Ltd (FRN 784955) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is The Mortgage & Finance Clinic’s phone number and website?

The FCA register lists the phone number 028 9560 9410 and the website themortgageclinicuk.co.uk for The Mortgage & Finance Clinic. If you were given different contact details, use these to check with the firm before going any further.

Is The Mortgage & Finance Clinic a scam or clone?

The Mortgage & Finance Clinic 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 & Finance Clinic?

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 & Finance Clinic to the Financial Ombudsman Service, free of charge.

Who owns The Mortgage & Finance Clinic?

Companies House lists one person with significant control of The Mortgage & Finance Clinic: Mr Helmut Mark Elstner (75–100% of shares).

Who runs The Mortgage & Finance Clinic?

Companies House lists one director of The Mortgage & Finance Clinic: Helmut Mark Elstner.

How long has The Mortgage & Finance Clinic been in business?

The company was formed on 24 April 2017, and has held its current FCA authorisation since November 2017.

What do The Mortgage & Finance Clinic’s latest accounts show?

Its latest accounts, to 30 April 2025, show net assets of £53.4k (+274% from £14.3k).

Does The Mortgage & Finance Clinic use any other names?

It trades as The Mortgage Clinic.