The Mortgage Guy Limited

Reference number: 521263

Instant download

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

Openwork Limited Reference number: 408285 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 Guy Limited (FRN 521263) is an AR of Openwork Limited (FRN 408285). When you use The Mortgage Guy's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Mortgage Guy, 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.

In the full report: 3 background checks

  • When themortgageguyltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01752 346604 is
  • Who else gives the postcode PL9 9BR
Instant PDF download
Other names (1)

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

  • TMG Financial Management Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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.

Company number
06089895
Company status
Active
Company type
Private limited company
Incorporated
7 February 2007 (19 years old)
Registered office
Down Horn Farm Horn Lane, Plymstock, Plymouth, PL9 9BR, England
Nature of business
  • Administration of financial markets (SIC 66110)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Knapman Director Aug 1971 7 Feb 2007 4 other companies
Lorraine Janet Knapman Director Feb 1973 6 Apr 2012 2 other companies
Lorraine Janet Knapman Secretary Not published 7 Feb 2007 –

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
4
closed down
2
run together
2

In the full report: all 4 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 2 companies these 2 directors run together
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£76.8k

−13% from £88.3k

Employees (average)

2

Same as 2

Owed within a year

£228k

+107% from £110k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 06089895. 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 Guy’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2017

1 February 2017

  • Christopher Knapman gave up control
  • Christopher Knapman took control (75–100% of votes)
  • Tmg Holdings (Sw) Limited took control (75–100% of shares)

Companies House

2010

26 March 2010

  • Became an appointed representative

FCA register

2007

7 February 2007

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms like The Mortgage Guy

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

In Plymouth

Michael Edward CorriganPlymouthAppointed representativeAsmath StanleyPlymouthAppointed representativeCC Callaway Mortgages LimitedPlymouthAppointed representativeCMB Mortgage Consultants LimitedPlymouthAppointed representativeComplete Mortgage Advice LtdPlymouthAppointed representativeHouse Martin Mortgages LtdPlymouthAppointed 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 Guy

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is The Mortgage Guy Limited FCA authorised?
The Mortgage Guy Limited (FRN 521263) 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 Guy?
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 Guy Limited (FRN 521263) is an AR of Openwork Limited (FRN 408285). When you use The Mortgage Guy's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Guy, 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 Guy’s phone number and website?
The FCA register lists the phone number 01752 346604 and the website themortgageguyltd.co.uk for The Mortgage Guy. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Guy a scam or clone?
The Mortgage Guy 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 Guy?
Protection works through Openwork Limited, the principal firm responsible for The Mortgage Guy's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Mortgage Guy?
The Mortgage Guy is owned by Tmg Holdings (Sw) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 February 2017. Before that, it was controlled by Mr Christopher Knapman.
Who runs The Mortgage Guy?
Companies House lists 2 directors of The Mortgage Guy: Christopher Knapman and Lorraine Janet Knapman.
How long has The Mortgage Guy been in business?
The company was formed on 7 February 2007.
What do The Mortgage Guy’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £76.8k (−13% from £88.3k).
Does The Mortgage Guy use any other names?
It trades as TMG Financial Management.

Sources and links

The full report on The Mortgage Guy Limited

£19.99 · Instant PDF download

Loading secure checkout…