White Mortgages Limited

Reference number: 551714

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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

  • When whitemortgagesltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01522 540777 is
  • Who else gives the postcode LN6 7AS
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Other names (1)

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

  • White Mortgages Limited - COMLETE - R - WM, Supv on authorised controller 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.
  • Manage or trade investments FSCS may apply
    Eligible 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 apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • 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
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
07620161
Company status
Active
Company type
Private limited company
Incorporated
3 May 2011 (15 years old)
Registered office
City Office Park, Crusader Road, Lincoln, LN6 7AS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven John White Director Aug 1984 1 Mar 2012 4 other companies
Robert James White Director Nov 1985 2 Jul 2018 2 other companies
Michael David Wright Director Apr 1982 26 Apr 2023 10 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
16
closed down
4
are FCA-registered
4

In the full report: all 16 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 4 on the FCA register, including one no longer authorised
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2023Small company accountsNot audited

Net assets

£938k

+20% from £784k

Cash at bank

£550k

+53% from £359k

Employees (average)

10

+25% from 8

Owed within a year

£85.0k

−26% from £114k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • The chart, over every year
  • Every filed figure, year by year
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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 07620161. 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

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

Key events (11) All events (22)

2023

26 April 2023

  • Mattioli Woods PLC took control (75–100% of shares)
  • Steven John White stopped being a part-owner

Companies House

2022

12 December 2022

  • Changed its registered name from "White Mortgages Limited - COMLETE - R - WM, Supv on authorised controller"
  • Changed its registered name from "White Mortgages Limited"

FCA register

2018

22 June 2018

  • Alistair Matthew Waugh no longer has significant control

Companies House

2016

6 April 2016

  • Alistair Matthew Waugh gained significant control
  • Steven John White became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

29 July 2011

  • Became authorised by the FCA

FCA register

15 July 2011

  • Regulated by the Financial Services Authority from this date

FCA register

3 May 2011

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (11 shown here)
  • Every director appointment and resignation: 9
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Firms connected to White Mortgages

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

connected firms
4
share a director
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4)
  • Who links each one: the named directors, with dates
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Firms like White Mortgages

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

In Lincoln

Grayling Mortgage Solutions LimitedLincolnAuthorisedMarkmortgages LimitedLincolnAuthorisedMortgage Minders (Lincoln) LimitedLincolnAuthorised3D Mortgages LtdLincolnAppointed representativeAlan WardLincolnAppointed representativeAndy Wilson Financial Services LtdLincolnAppointed 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 White Mortgages

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

  • 16 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 22 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is White Mortgages Limited FCA authorised?
Yes, White Mortgages Limited (FRN 551714) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2011 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is White Mortgages’ phone number and website?
The FCA register lists the phone number 01522 540777 and the website whitemortgagesltd.co.uk for White Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is White Mortgages a scam or clone?
White Mortgages 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 White Mortgages?
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 White Mortgages to the Financial Ombudsman Service, free of charge.
Who owns White Mortgages?
White Mortgages is owned by Mattioli Woods PLC, which holds 75–100% of shares and 75–100% of votes, since 26 April 2023. Before that, it was controlled by Mr Steven John White and Mr Alistair Matthew Waugh.
Who runs White Mortgages?
Companies House lists 3 directors of White Mortgages: Steven John White, Robert James White and Michael David Wright.
How long has White Mortgages been in business?
The company was formed on 3 May 2011, and has held its current FCA authorisation since July 2011.
What do White Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2023, show net assets of £938k (+20% from £784k) and cash at bank of £550k (+53% from £359k).
Does White Mortgages use any other names?
It has previously used the name White Mortgages Limited - COMLETE - R - WM, Supv on authorised controller.

Sources and links

The full report on White Mortgages Limited

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