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.
- Appointed for 14 years
- Protected through the principal
- No FCA actions
- Active company since 2012
- Accounts filed up to 31 July 2021
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- TIME Mortgage Experts Ltd (FRN 585328) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use TIME Mortgage Experts's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from TIME Mortgage Experts, 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.
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No website on the FCA register
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Phone number
-
Address
The Old Courthouse 60a, London Road, Grantham, Lincolnshire, NG31 6HR, United Kingdom
In the full report: 2 background checks
- What kind of line 01452 341922 is
- Who else gives the postcode NG31 6HR
Other names (15)
If you were contacted under any of these names, it is this firm.
- Beespoke Mortgages Trading name: A name it trades under now.
- KMJ Mortgages Trading name: A name it trades under now.
- M2 Mortgages Trading name: A name it trades under now.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- My Mortgage Gateway Trading name: A name it trades under now.
- Rea Valley Mortgage & Protection Trading name: A name it trades under now.
- The Cheshire Mortgage Group Trading name: A name it trades under now.
- Tru-Blu Financial Trading name: A name it trades under now.
- Your Choice Mortgage Centre Trading name: A name it trades under now.
- TIME Mortggae Experts Ltd Former name: A name it was registered under before.
- Truly Independent Mortgage Experts Ltd Former name: A name it was registered under before.
- Alexander Chase Former trading name: A name it used to trade under.
- Birtles Mortgage and Financial Solutions Former trading name: A name it used to trade under.
- Mortgage Hero Former trading name: A name it used to trade under.
- Quick and Clarke Financial Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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, freeYou 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
- 08124266 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 June 2012 (14 years old)
- Registered office
- The Old Courthouse, 60a London Road, Grantham, NG31 6HR, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michelle Jane Brook | Director | Mar 1967 | 23 May 2022 | 8 other companies |
| Gareth Meirion Samples | Director | Apr 1968 | 7 Mar 2024 | 54 other companies |
| Benjamin Peter Dodds | Director | Jan 1988 | 2 Jan 2025 | 43 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
- 61
- closed down
- 17
- are FCA-registered
- 7
In the full report: all 61 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 7 on the FCA register
- The 39 companies these 3 directors run together
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£784k
+127% from £346k
Cash at bank
£524k
+54% from £340k
Employees (average)
20
−9.1% from 22
Owed within a year
£818k
+425% from £156k
Assets and liabilities
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 08124266. 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
TIME Mortgage Experts’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- The Time Group Ltd took control (75–100% of shares)
Companies House
1 March 2016
- Changed its registered name from "TIME Mortggae Experts Ltd"
FCA register
29 February 2016
- Changed its registered name from "Truly Independent Mortgage Experts Ltd"
FCA register
2012
26 July 2012
- Became an appointed representative
FCA register
29 June 2012
- Incorporated at Companies House
Companies House
In the full report: all 36 events
- All 36 events in its history (5 shown here)
- Every director appointment and resignation: 13
Firms connected to TIME Mortgage Experts
Other FCA-listed firms that share a director, phone number or address with TIME Mortgage Experts. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 7
- share a director
- 7
- share its postcode
- 4
In the full report: all 7 connected firms, named
- How each is linked: shared directors (7), the same postcode (4)
- Who links each one: the named directors, with dates
Firms like TIME Mortgage Experts
Other firms of the same type (mortgage adviser or broker), nearest first.
In Grantham
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 TIME Mortgage Experts
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 61 other companies its directors have run, named
- 2 background checks on its contact details
- All 36 events in its history
- 7 connected firms, named, and who links them
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Frequently asked questions about this firm
Is TIME Mortgage Experts Ltd FCA authorised?
What does appointed representative mean for TIME Mortgage Experts?
What is TIME Mortgage Experts’ phone number?
Is TIME Mortgage Experts a scam or clone?
Is my money safe with TIME Mortgage Experts?
Who owns TIME Mortgage Experts?
Who runs TIME Mortgage Experts?
How long has TIME Mortgage Experts been in business?
What do TIME Mortgage Experts’ latest accounts show?
Does TIME Mortgage Experts use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk