XMortgage Ltd

Reference number: 1006024

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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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • XMortgage Ltd (FRN 1006024) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use XMortgage's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from XMortgage, 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

    07774 800600

  • Address

    Suite 2a, Blackthorn House, St Paul's Square, Birmingham, West Midlands, B3 1RL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07774 800600 is
  • Who else gives the postcode B3 1RL
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cornerstone Finance Group Ltd, 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
14663043
Company status
Active
Company type
Private limited company
Incorporated
14 February 2023 (3 years old)
Registered office
Grosvenor House, St. Pauls Square, Birmingham, B3 1RB, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Taluth Mahmood Director Feb 1978 14 Feb 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

£19.0k

−11% from £21.2k

Employees (average)

2

Same as 2

Owed within a year

£44.2k

−1.2% from £44.7k

Assets and liabilities

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 14663043. 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

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

2023

27 November 2023

  • Became an appointed representative

FCA register

14 February 2023

  • Incorporated at Companies House
  • Taluth Mahmood took control (75–100% of shares)
  • Taluth Mahmood appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to XMortgage

Other FCA-listed firms that share a director, phone number or address with XMortgage. 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
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Firms like XMortgage

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

In Birmingham

D Gee Mortgages LtdBirminghamAppointed representativeA & S Financial ServicesBirminghamAppointed representativeAbundant Finance LimitedBirminghamAppointed representativeAspired Finance LTDBirminghamAppointed representativeBeeline Finance LtdBirminghamAppointed representativeBirmingham Mortgage Hub LimitedBirminghamAppointed 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 XMortgage

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is XMortgage Ltd FCA authorised?
XMortgage Ltd (FRN 1006024) 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 XMortgage?
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. XMortgage Ltd (FRN 1006024) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use XMortgage's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from XMortgage, 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 XMortgage’s phone number?
The FCA register lists the phone number 07774 800600 for XMortgage. If you were given different contact details, use these to check with the firm before going any further.
Is XMortgage a scam or clone?
XMortgage 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 XMortgage?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for XMortgage's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns XMortgage?
Companies House lists one person with significant control of XMortgage: Mr Taluth Mahmood (75–100% of shares).
Who runs XMortgage?
Companies House lists one director of XMortgage: Taluth Mahmood.
How long has XMortgage been in business?
The company was formed on 14 February 2023.
What do XMortgage’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £19.0k (−11% from £21.2k).

Sources and links

The full report on XMortgage Ltd

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