Authorisation being cancelled
This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.
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
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Address
Capita Plc, 2 Kingdom Street, London, Westminster, W2 6BD, United Kingdom
In the full report: 2 background checks
- What kind of line 020 7709 4500 is, and the other firm that gives it
- Who else gives the postcode W2 6BD
Other names (3)
If you were contacted under any of these names, it is this firm.
- Western Mortgage Services Ltd Former name: A name it was registered under before.
- Buttermere Mortgage Services Former trading name: A name it used to trade under.
- Thirlmere Mortgage Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Sell or arrange insurance FSCS may applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
- Administering a regulated mortgage contract
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Assisting in the administration and performance of a contract of insurance
- Credit Broking
- Dealing in investments as agent
- Debt Administration
- Debt-collecting
- 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
- 03191608 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 April 1996 (30 years old)
- Registered office
- First Floor, 2 Kingdom Street, Paddington, London, W2 6BD, England
- Nature of business
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- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Robert Dias | Director | Nov 1978 | 23 Jul 2026 | 3 other companies |
| Antony Paul Brown | Director | Nov 1963 | 23 Jul 2026 | 6 other companies |
| CAPITA GROUP SECRETARY LIMITED | Corporate secretary | Not published | 29 Jul 2015 | – |
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
- 8
- closed down
- 3
- went insolvent
- 1
In the full report: all 8 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- The one that went into liquidation or administration
- The one on the FCA register
- The 1 company these 2 directors run together
- All 53 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£7.05m
From a loss of £10.7m
Net assets
£75.7m
+7% from £70.8m
Cash at bank
£24.0m
−3.8% from £25.0m
Employees (average)
418
−46% from 772
The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £43.1m, for the year to 31 December 2021.
Profit before tax
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- Both charts, over every year
- Every filed figure, year by year
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.
Accounts filed at Companies House for company 03191608. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Western Mortgage Services’s history from the FCA register and Companies House, newest first.
2026
23 July 2026
- Board replaced: both directors left and 2 new directors took over
Companies House
2023
24 May 2023
- Changed its registered name from "Western Mortgage Services Ltd"
FCA register
2021
7 May 2021
- Capita Financial Services Holdings Limited gave up control
- Capita Life & Pensions Regulated Services Limited took control (75–100% of shares)
Companies House
2017
12 September 2017
- Capita Financial Services Holdings Limited took control (75–100% of shares)
- Capita International Financial Services Holdings Limited gave up control
Companies House
2016
6 April 2016
- Capita International Financial Services Holdings Limited took control (75–100% of shares)
Companies House
2015
29 July 2015
- Board replaced: all 3 directors left and 5 new directors took over
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2004
31 October 2004
- Regulated by the Financial Services Authority from this date
- Applied to cancel its FCA authorisation
FCA register
1996
26 April 1996
- Incorporated at Companies House
Companies House
In the full report: all 127 events
- All 127 events in its history (12 shown here)
- Every director appointment and resignation: 108
Firms connected to Western Mortgage Services
Other FCA-listed firms that share a director, phone number or address with Western Mortgage Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its phone number
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Western Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In London
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 Western Mortgage Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 127 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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How long has Western Mortgage Services been in business?
What do Western Mortgage Services’ latest accounts show?
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk