TMP The Mortgage People Ltd

Reference number: 451576

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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 Advice Bureau Limited Reference number: 455545 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.
  • TMP The Mortgage People Ltd (FRN 451576) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use TMP The Mortgage People's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from TMP The Mortgage People, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When tmpmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01604 780586 is
  • Who else gives the postcode NN15 6XR
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Other names (7)

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

  • Kelly Louise McCabe Former name
  • That Mortgage Place Limited Former name
  • TMP Sherwins Limited Former name
  • Mortgage Advice Bureau Former trading name
  • That Mortgage Place (Midlands) Former trading name
  • TMP Consultancy Former trading name
  • TMP Sherwins Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
05559633
Company status
Active
Company type
Private limited company
Incorporated
9 September 2005 (21 years old)
Registered office
1-2 Grafton Court Kettering Parkway, Kettering Venture Park, Kettering, Northants, NN15 6XR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Kelly Louise Mccabe Director Mar 1981 3 Apr 2006 2 other companies
Arlene Upton Director Feb 1969 16 Dec 2024 None

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
2
still active
2

In the full report: all 2 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 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

£546k

−7.4% from £589k

Cash at bank

£602k

−9% from £661k

Employees (average)

51

+6.3% from 48

Owed within a year

£334k

+6.1% from £315k

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
Instant PDF download
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 05559633. 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

TMP The Mortgage People’s history from the FCA register and Companies House, newest first.

Key events (10) All events (28)

2019

24 April 2019

  • Kelly Louise McCabe stopped being the majority owner
  • Martin Ralph Toms stopped being a part-owner
  • Tmp The Mortgage People Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Kelly Louise McCabe became the majority owner (50–75% of shares)
  • Martin Ralph Toms became a part-owner (25–50% of shares)

Companies House

2014

8 September 2014

  • Changed its registered name from "TMP Sherwins Limited"

FCA register

4 September 2014

  • Changed its registered name from "That Mortgage Place Limited"

FCA register

2011

24 October 2011

  • Changed its registered name from "Kelly Louise McCabe"

FCA register

2006

8 May 2006

  • Became an appointed representative

FCA register

2005

9 September 2005

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (10 shown here)
  • Every director appointment and resignation: 10
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Firms connected to TMP The Mortgage People

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like TMP The Mortgage People

Other firms of the same type (insurance broker), nearest first.

In Kettering

Columbus Fifty Nine LimitedKetteringAppointed representativeJackson Toms Financial Services LtdKetteringAppointed representativeLatimer Financial LtdKetteringAppointed representativeMD Mortgage & Protection LtdKetteringAppointed representativeOscar James Financial LimitedKetteringAppointed representativeAJS & Matchless Owners Club LimitedKetteringAppointed representative

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 TMP The Mortgage People

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 28 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is TMP The Mortgage People Ltd FCA authorised?
TMP The Mortgage People Ltd (FRN 451576) 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 TMP The Mortgage People?
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. TMP The Mortgage People Ltd (FRN 451576) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use TMP The Mortgage People's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TMP The Mortgage People, 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 TMP The Mortgage People’s phone number and website?
The FCA register lists the phone number 01604 780586 and the website tmpmortgages.co.uk for TMP The Mortgage People. If you were given different contact details, use these to check with the firm before going any further.
Is TMP The Mortgage People a scam or clone?
TMP The Mortgage People 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 TMP The Mortgage People?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for TMP The Mortgage People's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns TMP The Mortgage People?
TMP The Mortgage People is owned by Tmp The Mortgage People Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 24 April 2019. Before that, it was controlled by Mrs Kelly Louise McCabe and Mr Martin Ralph Toms.
Who runs TMP The Mortgage People?
Companies House lists 2 directors of TMP The Mortgage People: Kelly Louise McCabe and Arlene Upton.
How long has TMP The Mortgage People been in business?
The company was formed on 9 September 2005.
What do TMP The Mortgage People’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £546k (−7.4% from £589k) and cash at bank of £602k (−9% from £661k).
Does TMP The Mortgage People use any other names?
It has previously used 7 other names, including Kelly Louise McCabe, That Mortgage Place Limited and TMP Sherwins Limited.

Sources and links

The full report on TMP The Mortgage People Ltd

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