The Mortgage Works (UK) PLC

Reference number: 189623

Instant download

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 themortgageworks.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 606 4060 is, and the 3 other firms that give it
  • Who else gives the postcode BH2 6EP
Instant PDF download
Other names (1)

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

  • Sun Bank Plc Former 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 (11 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Arranging (bringing about) regulated mortgage contracts
  • Debt Administration
  • Debt-collecting
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to regulated mortgage contracts

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
53
upheld, against a 31% median
34%
about mortgages
53

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
02222856
Company status
Active
Company type
Public limited company
Incorporated
19 February 1988 (38 years old)
Registered office
Nationwide House, Pipers Way, Swindon, SN38 1NW
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gavin Smyth Director Jul 1977 24 Mar 2021 6 other companies
Henry Jordan Director Apr 1973 14 Aug 2024 11 other companies
Muir Mathieson Director Aug 1974 6 Sep 2024 23 other companies
NBS COSEC LIMITED Corporate secretary Not published 18 Jan 2019 –

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
32
closed down
7
are FCA-registered
6

In the full report: all 32 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 6 on the FCA register
  • The 5 companies these 3 directors run together
  • All 54 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

The Mortgage Works (UK)’s history from the FCA register and Companies House, newest first.

Key events (8) All events (121)

2016

6 April 2016

  • Nationwide Building Society took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

13 January 2004

  • Changed its registered name from "Sun Bank Plc"

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1998

1 June 1998

  • Regulated by the Financial Services Authority from this date
  • Regulated by the Personal Investment Authority from this date

FCA register

1988

19 February 1988

  • Incorporated at Companies House

Companies House

In the full report: all 121 events

  • All 121 events in its history (8 shown here)
  • Every director appointment and resignation: 109
Instant PDF download

Firms connected to The Mortgage Works (UK)

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

connected firms
6
share a director
6
share its phone number
3

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (6), the same phone number (3), the same postcode (3)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like The Mortgage Works (UK)

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

In Bournemouth

LV Equity Release LimitedBournemouthAuthorisedE-Mex Home Funding LimitedBournemouthAuthorisedU C B Home Loans Corporation LimitedBournemouthAuthorisedDerbyshire Home Loans LimitedBournemouthAuthorised

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 Works (UK)

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

  • 32 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 121 events in its history
  • 6 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is The Mortgage Works (UK) PLC FCA authorised?
Yes, The Mortgage Works (UK) PLC (FRN 189623) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is The Mortgage Works (UK)’s phone number and website?
The FCA register lists the phone number 0345 606 4060 and the website themortgageworks.co.uk for The Mortgage Works (UK). 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 3 other FCA firms.
Is The Mortgage Works (UK) a scam or clone?
The Mortgage Works (UK) 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 Works (UK)?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Mortgage Works (UK) to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Works (UK)?
The Mortgage Works (UK) is owned by Nationwide Building Society, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs The Mortgage Works (UK)?
Companies House lists 3 directors of The Mortgage Works (UK): Gavin Smyth, Henry Jordan and Muir Mathieson.
How long has The Mortgage Works (UK) been in business?
The company was formed on 19 February 1988, and has held its current FCA authorisation since December 2001.
How many complaints does The Mortgage Works (UK) get?
In January–June 2025, the Financial Ombudsman Service received 53 new complaints about The Mortgage Works (UK), and upheld 34% of those it decided.
Does The Mortgage Works (UK) use any other names?
It has previously used the name Sun Bank Plc.

Sources and links

The full report on The Mortgage Works (UK) PLC

£19.99 · Instant PDF download

Loading secure checkout…