The Mortgage Store (T.M.S) Limited

Reference number: 219782

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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

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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 Store (T.M.S) Limited (FRN 219782) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use The Mortgage Store (T.M.S)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Mortgage Store (T.M.S), 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.

  • No website on the FCA register

  • Phone number

    01727 837437

  • Address

    Fountain Court, 2 Victoria Square, Victoria Street, St. Albans, Hertfordshire, AL1 3TF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01727 837437 is, and the other firm that gives it
  • Who else gives the postcode AL1 3TF
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Other names (26)

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

  • The Mortgage Store Bath Trading name
  • The Mortgage Store Bedford Trading name
  • The Mortgage Store Berkhamsted Trading name
  • The Mortgage Store Bradford Trading name
  • The Mortgage Store Cardiff Trading name
  • The Mortgage Store Cheltenham & Gloucestershire Trading name
  • The Mortgage Store Chesterfield Trading name
  • The Mortgage Store Chorley Trading name
  • The Mortgage Store East Sussex Trading name
  • The Mortgage Store Grimsby Trading name
  • The Mortgage Store Holywell Trading name
  • The Mortgage Store Leicester Trading name
  • The Mortgage Store Mansfield Trading name
  • The Mortgage Store Nantwich Trading name
  • The Mortgage Store Nottingham Trading name
  • The Mortgage Store Princes Trading name
  • The Mortgage Store Salford Quays Trading name
  • The Mortgage Store West Wales Trading name
  • The Mortgage Store Wilmslow Trading name
  • The Mortgage Store Wolverhampton Trading name
  • Your Mortgage Genie Trading name
  • The Mortgage Store (St Albans) Former name
  • The Mortgage Store (St Albans) Limited Former name
  • The Mortgage Store (T.M.S.) Ltd Former name
  • The Mortgage Store Brentwood Former trading name
  • The Mortgage Store Ipswich Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Intelligence 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
04724865
Company status
Active
Company type
Private limited company
Incorporated
7 April 2003 (23 years old)
Registered office
Fountain Court 2 Victoria Square, Victoria Street, St. Albans, Hertfordshire, AL1 3TF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Adrian Deane Director Dec 1967 7 Apr 2003 3 other companies
Mark Stephen Deane Director Oct 1966 16 Jun 2017 6 other companies
James Kinns Director Jun 1979 20 May 2026 11 other companies

Other companies run by these 3 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
14
closed down
2
are FCA-registered
2

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 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 3 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Full accountsNot audited

Net assets

£215k

+68% from £128k

Cash at bank

£623k

+102% from £308k

Employees (average)

0

Same as 0

Owed within a year

£476k

+52% from £313k

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
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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.

Accounts filed at Companies House for company 04724865. 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 Store (T.M.S)’s history from the FCA register and Companies House, newest first.

Key events (11) All events (45)

2026

20 May 2026

  • James Kinns became a part-owner (25–50% of shares)
  • James Kinns stopped being a part-owner

Companies House

20 January 2026

  • Changed its registered name from "The Mortgage Store (T.M.S.) Limited"

FCA register

2024

18 December 2024

  • Changed its registered name from "The Mortgage Store (T.M.S.) Ltd"

FCA register

2021

1 January 2021

  • James Kinns became a part-owner (25–50% of shares)
  • Mark Stephen Deane became a part-owner (25–50% of shares)

Companies House

2017

1 May 2017

  • Jonathan Adrian Deane gained significant control

Companies House

2007

8 January 2007

  • Changed its registered name from "The Mortgage Store (St Albans) Limited"

FCA register

2004

9 July 2004

  • Changed its registered name from "The Mortgage Store (St Albans)"

FCA register

2003

7 April 2003

  • Incorporated at Companies House

Companies House

2002

15 October 2002

  • Became an appointed representative

FCA register

In the full report: all 45 events

  • All 45 events in its history (11 shown here)
  • Every director appointment and resignation: 9
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Firms connected to The Mortgage Store (T.M.S)

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

connected firms
5
no longer authorised
1
share a director
2

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like The Mortgage Store (T.M.S)

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

In St. Albans

Invoke Finance LtdSt. AlbansAppointed representativeJames Joseph LtdSt. AlbansAppointed representativeMiriam StandenSt. AlbansAppointed representativeProtection Matters LimitedSt. AlbansAppointed representativeIngram Finance LimitedSt. AlbansAppointed representativeAshdale Mortgage Services Ltd.St. AlbansAuthorised

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 Store (T.M.S)

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

  • 14 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 45 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Mortgage Store (T.M.S) Limited FCA authorised?
The Mortgage Store (T.M.S) Limited (FRN 219782) 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 Store (T.M.S)?
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 Store (T.M.S) Limited (FRN 219782) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use The Mortgage Store (T.M.S)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Store (T.M.S), 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 Store (T.M.S)’s phone number?
The FCA register lists the phone number 01727 837437 for The Mortgage Store (T.M.S). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is The Mortgage Store (T.M.S) a scam or clone?
The Mortgage Store (T.M.S) 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 Store (T.M.S)?
Protection works through Mortgage Intelligence Limited, the principal firm responsible for The Mortgage Store (T.M.S)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Mortgage Store (T.M.S)?
Companies House lists 3 people with significant control of The Mortgage Store (T.M.S): Mr James Kinns (25–50% of shares), Mr Mark Stephen Deane (25–50% of shares) and Mr. Jonathan Adrian Deane (significant influence or control). Before that, it was controlled by Mr. James Kinns.
Who runs The Mortgage Store (T.M.S)?
Companies House lists 3 directors of The Mortgage Store (T.M.S): Jonathan Adrian Deane, Mark Stephen Deane and James Kinns.
How long has The Mortgage Store (T.M.S) been in business?
The company was formed on 7 April 2003.
What do The Mortgage Store (T.M.S)’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £215k (+68% from £128k) and cash at bank of £623k (+102% from £308k).
Does The Mortgage Store (T.M.S) use any other names?
It trades as The Mortgage Store Bath, The Mortgage Store Bedford, The Mortgage Store Berkhamsted, The Mortgage Store Bradford and The Mortgage Store Cardiff, and 16 more names. It has previously used 5 other names, including The Mortgage Store (St Albans), The Mortgage Store (St Albans) Limited and The Mortgage Store (T.M.S.) Ltd.

Sources and links

The full report on The Mortgage Store (T.M.S) Limited

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