UKMM Limited: FCA regulated?

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 1 year
Protected through the principal
No FCA actions
Active company since 2025
Accounts filed up to 31 December 2025

Responsible principal firm

Mortgage Advice Bureau (Derby) Limited Reference number: 466154 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.
UKMM Limited (FRN 1040645) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use UKMM's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from UKMM, 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.

No website on the FCA register
Phone number

+44 033 341 222 225
Address

UK Moneyman Ltd, 410 Wincolmlee, Hull, Kingston Upon Hull, City Of, HU2 0QL, United Kingdom

In the full report: 2 background checks

What kind of line +44 033 341 222 225 is
Who else gives the postcode HU2 0QL

Other names (29)

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

Beverleymoneyman Trading name: A name it trades under now.
Birminghammoneyman Trading name: A name it trades under now.
Bristolmoneyman Trading name: A name it trades under now.
Cambridgemoneyman Trading name: A name it trades under now.
Cardiffmoneyman Trading name: A name it trades under now.
Coventrymoneyman Trading name: A name it trades under now.
Derbymoneyman Trading name: A name it trades under now.
Doncastermoneyman Trading name: A name it trades under now.
Durhammoneyman Trading name: A name it trades under now.
Essexmoneyman Trading name: A name it trades under now.
Grimsbymoneyman Trading name: A name it trades under now.
Halifaxmoneyman Trading name: A name it trades under now.
Harrogatemoneyman Trading name: A name it trades under now.
Hullmoneyman Trading name: A name it trades under now.
Leedsmoneyman Trading name: A name it trades under now.
Leicestermoneyman Trading name: A name it trades under now.
Lincolnmoneyman Trading name: A name it trades under now.
Liverpoolmoneyman Trading name: A name it trades under now.
Londonmoneyman Trading name: A name it trades under now.
Manchestermoneyman Trading name: A name it trades under now.
Middlesbroughmoneyman Trading name: A name it trades under now.
Newcastlemoneyman Trading name: A name it trades under now.
Nottinghammoneyman Trading name: A name it trades under now.
Scunthorpemoneyman Trading name: A name it trades under now.
Sheffieldmoneyman Trading name: A name it trades under now.
Sunderlandmoneyman Trading name: A name it trades under now.
UKmoneyman Trading name: A name it trades under now.
Yorkmoneyman Trading name: A name it trades under now.
Mortgage Advice Bureau Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Mortgage Advice Bureau (Derby) 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: 16541342 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 June 2025 (1 year old)
Registered office: Capital House Pride Place, Pride Park, Derby, DE24 8QR, England
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Amy Louise Davidson	Director	Apr 1981	25 Jun 2025	2 other companies
Malcolm Alexander Davidson	Director	Oct 1971	25 Jun 2025	6 other companies
Gareth John Herbert	Director	Feb 1970	22 Sep 2026	36 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: 41
closed down: 3
are FCA-registered: 14

In the full report: all 41 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 14 on the FCA register, including one no longer authorised
The 2 companies these 3 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

6 months to 31 December 2025Micro-entity accountsNot audited

Net assets

£100

No earlier figure to compare

Employees (average)

5

No earlier figure to compare

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 16541342. 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

Ukmm’s history from the FCA register and Companies House, newest first.

Key events (3) All events (42)

2025

16 September 2025

Became an appointed representative

FCA register

25 June 2025

Incorporated at Companies House
UK Moneyman Limited took control (75–100% of shares)

Companies House

In the full report: all 42 events

All 42 events in its history (3 shown here)
Every director appointment and resignation: 9

Firms connected to Ukmm

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

connected firms: 12
share a director: 12

In the full report: all 12 connected firms, named

How each is linked: shared directors (12)
Who links each one: the named directors, with dates

Firms like Ukmm

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

In Hull

Acorn Associates Inc. LtdHullAppointed representative I Am A Mortgage Broker LtdHullAppointed representative Kerry Wagner Mortgages LtdHullAppointed representative Mizna CoatesHullAppointed representative Mortgage Hub Group LtdHullAppointed representative Opal Mortgage Services LimitedHullAppointed 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 Ukmm

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

41 other companies its directors have run, named
2 background checks on its contact details
All 42 events in its history
12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is UKMM Limited FCA authorised?

UKMM Limited (FRN 1040645) 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 Ukmm?

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. UKMM Limited (FRN 1040645) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Ukmm's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ukmm, 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 Ukmm’s phone number?

The FCA register lists the phone number +44 033 341 222 225 for Ukmm. If you were given different contact details, use these to check with the firm before going any further.

Is Ukmm a scam or clone?

Ukmm 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 Ukmm?

Protection works through Mortgage Advice Bureau (Derby) Limited, the principal firm responsible for Ukmm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Ukmm?

Ukmm is owned by UK Moneyman Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 25 June 2025.

Who runs Ukmm?

Companies House lists 3 directors of Ukmm: Amy Louise Davidson, Malcolm Alexander Davidson and Gareth John Herbert.

How long has Ukmm been in business?

The company was formed on 25 June 2025.

What do Ukmm’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £100 (no earlier figure to compare).

Does Ukmm use any other names?

It trades as Beverleymoneyman, Birminghammoneyman, Bristolmoneyman, Cambridgemoneyman and Cardiffmoneyman, and 23 more names. It has previously used the name Mortgage Advice Bureau.