UK Mortgage Lending Ltd

Reference number: 710410

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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, 1 thing worth a closer look

  • When pepper.money first appeared online, and whether it can receive email
  • What kind of line 0333 014 3125 is
  • Who else gives the postcode CF10 4BZ
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Other names (9)

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

  • Optimum Credit Trading name
  • Pepper Homeloans Trading name
  • Pepper Money Trading name
  • Pepper Money Business Mortgages Trading name
  • Pepper Money Commercial Mortgages Trading name
  • UKMLL Trading name
  • www.optimumcredit.co.uk Trading name
  • www.pepper.money Trading name
  • Optimum Credit Limited Former 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.
  • 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 Administrator
  • Acting as a CBTL lender
  • Acting as a CBTL Lender
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Entering into a regulated mortgage contract as lender
  • Making arrangements with a view to regulated mortgage contracts

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
08698121
Company status
Active
Company type
Private limited company
Incorporated
19 September 2013 (13 years old)
Registered office
4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ, Wales
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven James Colsell Director Jul 1964 15 Jul 2020 157 other companies
Laurence Morey Director Jun 1974 5 Aug 2020 32 other companies
Andrew James Voss Director Jul 1976 30 May 2023 27 other companies
Kimberley Bird Director Feb 1970 1 Jul 2024 5 other companies
James Desmond O'Shea Director Feb 1956 31 Mar 2025 None
Anthony John Keeble Secretary Not published 10 Jul 2024 –

Other companies run by these 5 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
208
closed down
145
went insolvent
2

In the full report: all 208 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 15 on the FCA register
  • The 5 companies these 5 directors run together
  • All 16 people who have ever been directors, with their dates
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Key dates in its history

UK Mortgage Lending’s history from the FCA register and Companies House, newest first.

Key events (7) All events (42)

2022

21 January 2022

  • Changed its registered name from "Optimum Credit Limited"

FCA register

2018

13 December 2018

  • Patron Capital Advisers LLP no longer has significant control
  • Pepper Money (Pmb) Limited took control (75–100% of shares)

Companies House

2016

29 June 2016

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

FCA register

6 April 2016

  • Patron Capital Advisers LLP gained significant control

Companies House

2013

19 September 2013

  • Incorporated at Companies House

Companies House

In the full report: all 42 events

  • All 42 events in its history (7 shown here)
  • Every director appointment and resignation: 25
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Firms connected to UK Mortgage Lending

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

connected firms
5
no longer authorised
1
share a director
2

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 10 past links through former directors
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Firms like UK Mortgage Lending

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

In Cardiff

Admiral Financial Services LimitedCardiffAuthorisedPepper Money LimitedCardiffAuthorisedElderbridge LimitedCardiffAuthorisedInterbridge Mortgages LimitedCardiffAuthorisedTarget Servicing LimitedCardiffAuthorised

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 UK Mortgage Lending

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

  • 208 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 42 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is UK Mortgage Lending Ltd FCA authorised?
Yes, UK Mortgage Lending Ltd (FRN 710410) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2016 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is UK Mortgage Lending’s phone number and website?
The FCA register lists the phone number 0333 014 3125 and the website pepper.money for UK Mortgage Lending. If you were given different contact details, use these to check with the firm before going any further.
Is UK Mortgage Lending a scam or clone?
UK Mortgage Lending 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 UK Mortgage Lending?
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 UK Mortgage Lending to the Financial Ombudsman Service, free of charge.
Who owns UK Mortgage Lending?
UK Mortgage Lending is owned by Pepper Money (Pmb) Limited, which holds 75–100% of shares, since 13 December 2018. Before that, it was controlled by Patron Capital Advisers LLP.
Who runs UK Mortgage Lending?
Companies House lists 5 directors of UK Mortgage Lending: Steven James Colsell, Laurence Morey, Andrew James Voss, Kimberley Bird and James Desmond O'Shea.
How long has UK Mortgage Lending been in business?
The company was formed on 19 September 2013, and has held its current FCA authorisation since June 2016.
Does UK Mortgage Lending use any other names?
It trades as Optimum Credit, Pepper Homeloans, Pepper Money, Pepper Money Business Mortgages and Pepper Money Commercial Mortgages, and 3 more names. It has previously used the name Optimum Credit Limited.

Sources and links

The full report on UK Mortgage Lending Ltd

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