The Mortgage Trading Company Limited

Reference number: 428222

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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

  • When mortgagetrading.co.uk first appeared online, and whether it can receive email
  • What kind of line 0113 200 8768 is
  • Who else gives the postcode LS10 2BD
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Other names (1)

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

  • Millshaw Mortgages Trading name

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 (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

Limits on what they may do

  • Client Money for Regulated Mortgages
    Hold and control client money in respect of regulated mortgage contracts (Regulated Mortgage activities only)
  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
04670850
Company status
Active
Company type
Private limited company
Incorporated
19 February 2003 (23 years old)
Registered office
West House, King Cross Road, Halifax, West Yorkshire, HX1 1EB, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Anthony Crossley Director Oct 1961 19 Feb 2003 1 other company
Martin Francis Barrett Secretary Not published 3 Mar 2008 –

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
closed down
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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Profit before tax

−£13.4k

Not compared: the previous accounts cover a different length of time

Total equity

£33.9k

−27% from £46.1k

Cash at bank

£15.6k

−55% from £34.4k

Owed within a year

£24.5k

−58% from £58.7k

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 04670850. 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 Trading Company’s history from the FCA register and Companies House, newest first.

Key events (7) All events (11)

2016

6 April 2016

  • John Anthony Crossley took control (75–100% of shares)

Companies House

2014

13 November 2014

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

10 August 2007

  • FCA imposed a requirement (Client Money for Regulated Mortgages)

FCA register

2005

29 June 2005

  • Became authorised by the FCA

FCA register

27 June 2005

  • Regulated by the Financial Services Authority from this date

FCA register

2003

19 February 2003

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 1
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Firms like The Mortgage Trading Company

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

In Leeds

2M Financial Services LtdLeedsAuthorisedAge Partnership LimitedLeedsAuthorisedBluegate Finance LtdLeedsAuthorisedHardisty Financial LimitedLeedsAuthorisedHeritage Mortgage Advice LtdLeedsAuthorisedHyde Associates LimitedLeedsAuthorised

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 Trading 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
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is The Mortgage Trading Company Limited FCA authorised?
Yes, The Mortgage Trading Company Limited (FRN 428222) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2005 and works as a mortgage adviser or broker. The FCA has placed 2 limits on what it may do.
What is The Mortgage Trading Company’s phone number and website?
The FCA register lists the phone number 0113 200 8768 and the website mortgagetrading.co.uk for The Mortgage Trading Company. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Trading Company a scam or clone?
The Mortgage Trading 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 Trading 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 Trading Company to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Trading Company?
Companies House lists one person with significant control of The Mortgage Trading Company: Mr John Anthony Crossley (75–100% of shares).
Who runs The Mortgage Trading Company?
Companies House lists one director of The Mortgage Trading Company: John Anthony Crossley.
How long has The Mortgage Trading Company been in business?
The company was formed on 19 February 2003, and has held its current FCA authorisation since June 2005.
What do The Mortgage Trading Company’s latest accounts show?
Its latest accounts, to 31 December 2025, show profit before tax of −£13.4k (not compared: the previous accounts cover a different length of time) and total equity of £33.9k (−27% from £46.1k).
Does The Mortgage Trading Company use any other names?
It trades as Millshaw Mortgages.

Sources and links

The full report on The Mortgage Trading Company Limited

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