The Mortgage & Finance Company Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018

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

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

0131 654 9941
Address

52 High Street, Bonnyrigg, Midlothian, EH19 2AB, United Kingdom

In the full report: 3 background checks

When mortgageandfinanceco.co.uk first appeared online, and whether it can receive email
What kind of line 0131 654 9941 is
Who else gives the postcode EH19 2AB

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: SC589195 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 19 February 2018 (8 years old)
Registered office: 52 High Street, Bonnyrigg, EH19 2AB, United Kingdom
Nature of business: Activities of mortgage finance companies (SIC 64922)
Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Roger James Brown	Director	Nov 1943	19 Feb 2018	1 other company
Roger Robert Brown	Director	Feb 1970	19 Feb 2018	None

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 company: 1
closed down: 1

In the full report: all 1 company, 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

Key dates in its history

The Mortgage & Finance Company’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2018

24 October 2018

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

FCA register

19 February 2018

Incorporated at Companies House

Companies House

In the full report: all 6 events

All 6 events in its history (3 shown here)
Every director appointment and resignation: 2

Firms like The Mortgage & Finance Company

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

In Bonnyrigg

Direct Financial Management UK LtdBonnyriggAuthorised

In the Edinburgh (EH) postcode area

Alan SutherlandEdinburghAuthorised Britannia Financial (UK) LimitedEdinburghAuthorised BTL Mortgages Scotland LtdEdinburghAuthorised Caesar & HowieBathgateAuthorised Colin James GourlayEdinburghAuthorised

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 Company

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
All 6 events in its history

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Frequently asked questions about this firm

Is The Mortgage & Finance Company Limited FCA authorised?

Yes, The Mortgage & Finance Company Limited (FRN 812887) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2018 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

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

The FCA register lists the phone number 0131 654 9941 and the website mortgageandfinanceco.co.uk for The Mortgage & Finance Company. If you were given different contact details, use these to check with the firm before going any further.

Is The Mortgage & Finance Company a scam or clone?

The Mortgage & Finance 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 & Finance 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 & Finance Company to the Financial Ombudsman Service, free of charge.

Who runs The Mortgage & Finance Company?

Companies House lists 2 directors of The Mortgage & Finance Company: Roger James Brown and Roger Robert Brown.

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

The company was formed on 19 February 2018, and has held its current FCA authorisation since October 2018.