The Mortgage Zone Limited

Reference number: 590539

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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 mortgagezoneheanor.co.uk first appeared online, and whether it can receive email
  • What kind of line 01773 535354 is
  • Who else gives the postcode DE75 7AT
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Other names (1)

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

  • TMZH 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 · Arrange equity release 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 a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
03907829
Company status
Active
Company type
Private limited company
Incorporated
17 January 2000 (26 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Derek Simms Director Jan 1954 24 Jan 2000 2 other companies
Rebecca Jane Patrick Director Mar 1981 8 Dec 2023 1 other company

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
3
closed down
2
still active
1

In the full report: all 3 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£103k

+19% from £86.4k

Employees (average)

4

Same as 4

Owed within a year

£16.0k

+15% from £13.9k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 03907829. 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 Zone’s history from the FCA register and Companies House, newest first.

Key events (8) All events (12)

2023

30 June 2023

  • Sheila Simms stopped being a part-owner

Companies House

2017

15 January 2017

  • Paul Derek Simms took control (75–100% of shares)
  • Sheila Simms became a part-owner (25–50% of shares)

Companies House

2013

15 April 2013

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

FCA register

31 March 2013

  • No longer regulated by the Financial Services Authority

FCA register

26 March 2013

  • Regulated by the Financial Services Authority from this date

FCA register

2000

17 January 2000

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 2
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Firms like The Mortgage Zone

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

In the Derby (DE) postcode area

Mortgage Advice Bureau (Derby) LimitedDerbyAuthorisedMortgage Advice Bureau LimitedDerbyAuthorisedBest Mortgage Advice LLPDerbyAuthorisedDerbyshire Mortgage Services LtdDerbyAuthorisedFifty Nine Financial LimitedDerbyAuthorisedGlobal Finance Hub LtdDerbyAuthorised

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 Zone

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is The Mortgage Zone Limited FCA authorised?
Yes, The Mortgage Zone Limited (FRN 590539) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2013 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is The Mortgage Zone’s phone number and website?
The FCA register lists the phone number 01773 535354 and the website mortgagezoneheanor.co.uk for The Mortgage Zone. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Zone a scam or clone?
The Mortgage Zone 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 Zone?
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 Zone to the Financial Ombudsman Service, free of charge.
Who owns The Mortgage Zone?
Companies House lists one person with significant control of The Mortgage Zone: Mr Paul Derek Simms (75–100% of shares). Before that, it was controlled by Mrs Sheila Simms.
Who runs The Mortgage Zone?
Companies House lists 2 directors of The Mortgage Zone: Paul Derek Simms and Rebecca Jane Patrick.
How long has The Mortgage Zone been in business?
The company was formed on 17 January 2000, and has held its current FCA authorisation since April 2013.
What do The Mortgage Zone’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £103k (+19% from £86.4k).
Does The Mortgage Zone use any other names?
It trades as TMZH.

Sources and links

The full report on The Mortgage Zone Limited

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