The Mortgage Lender Limited

Reference number: 707058

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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, 1 thing worth a closer look

  • When themortgagelender.com first appeared online, and whether it can receive email
  • What kind of line 0344 257 0427 is
  • Whether EC3A 2BJ is a shared office: 49 other firms give it
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Other names (1)

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

  • TML Trading name

FCA permissions and consumer protection

  • 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 (3 permissions)
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender

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
09280057
Company status
Active
Company type
Private limited company
Incorporated
24 October 2014 (12 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Miguel Sard Director Feb 1965 3 Feb 2025 10 other companies
Neil Edward Rudge Director Jul 1973 23 Mar 2026 13 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
18
closed down
3
are FCA-registered
2

In the full report: all 18 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 on the FCA register
  • The 5 companies these 2 directors run together
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Full accountsNot audited

Turnover

£48.9m

No earlier figure to compare

Profit before tax

£15.8m

No earlier figure to compare

Net assets

£15.3m

No earlier figure to compare

Cash at bank

£1.71m

No earlier figure to compare

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.

Accounts filed at Companies House for company 09280057. 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 Lender’s history from the FCA register and Companies House, newest first.

Key events (10) All events (47)

2021

26 February 2021

  • Maureen Bernadette Pothecary stopped being a part-owner
  • Shawbrook Bank Limited took control (75–100% of shares)
  • Trevor John Pothecary stopped being a part-owner

Companies House

2018

26 March 2018

  • Shawbrook Bank Limited gained significant control
  • Shawbrook Bank Limited no longer has significant control

Companies House

2016

16 May 2016

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

FCA register · Companies House

6 April 2016

  • Maureen Bernadette Pothecary became a part-owner (25–50% of shares)
  • Trevor John Pothecary became a part-owner (25–50% of shares)

Companies House

2014

24 October 2014

  • Incorporated at Companies House

Companies House

In the full report: all 47 events

  • All 47 events in its history (10 shown here)
  • Every director appointment and resignation: 32
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Firms connected to The Mortgage Lender

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

connected firms
2
share a director
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like The Mortgage Lender

Other firms of the same type (mortgage lender), nearest first.

In London

Prudential Lifetime Mortgages LimitedLondonAuthorisedRothschild & Co Wealth Management UK LimitedLondonAuthorisedCoutts Finance Co.LondonAuthorisedButterfield Mortgages LimitedLondonAuthorisedOctopus Investments LimitedLondonAuthorisedLendInvest Loans LimitedLondonAuthorised

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 Lender

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

  • 18 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 47 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Mortgage Lender Limited FCA authorised?
Yes, The Mortgage Lender Limited (FRN 707058) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is The Mortgage Lender’s phone number and website?
The FCA register lists the phone number 0344 257 0427 and the website themortgagelender.com for The Mortgage Lender. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Lender a scam or clone?
The Mortgage Lender 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 Lender?
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 Lender to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Lender?
The Mortgage Lender is owned by Shawbrook Bank Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 February 2021. Before that, it was controlled by Mrs Maureen Bernadette Pothecary and Mr Trevor John Pothecary.
Who runs The Mortgage Lender?
Companies House lists 2 directors of The Mortgage Lender: Miguel Sard and Neil Edward Rudge.
How long has The Mortgage Lender been in business?
The company was formed on 24 October 2014, and has held its current FCA authorisation since May 2016.
What do The Mortgage Lender’s latest accounts show?
Its latest accounts, to 31 December 2023, show turnover of £48.9m (no earlier figure to compare) and profit before tax of £15.8m (no earlier figure to compare).
Does The Mortgage Lender use any other names?
It trades as TML.

Sources and links

The full report on The Mortgage Lender Limited

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