Xpress Mortgages Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 11 years
Your funds are protected by FSCS
No FCA actions
Active company since 2006
Accounts filed up to 31 March 2026

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.

Website

xpressmortgages.co.uk (opens in a new tab)
Phone number

01932 350641
Address

Xpress Mortgages, 146 High Road, Byfleet, Surrey, KT14 7RG, United Kingdom

In the full report: 3 background checks

When xpressmortgages.co.uk first appeared online, and whether it can receive email
What kind of line 01932 350641 is
Who else gives the postcode KT14 7RG

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.
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 (10 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
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 05952968 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 October 2006 (20 years old)
Registered office: Dawes Court House, High Street, Esher, Surrey, KT10 9QD
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Rachel Lummis	Director	May 1972	2 Oct 2006	2 other companies
Carmen Green	Director	Feb 1995	22 Aug 2022	None

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: 2
closed down: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£137k

+2.7% from £133k

Employees (average)

4

Same as 4

Owed within a year

£20.5k

−23% from £26.8k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05952968. 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

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

Key events (5) All events (12)

2016

6 April 2016

Rachel Lummis took control (75–100% of shares)

Companies House

2015

1 June 2015

Regulated by the FCA from this date
FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
Became authorised by the FCA

FCA register

2006

2 October 2006

Incorporated at Companies House

Companies House

In the full report: all 12 events

All 12 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms connected to Xpress Mortgages

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Xpress Mortgages

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

In Byfleet

The Mortgage Choice LtdByfleetAppointed representative

In the Kingston upon Thames (KT) postcode area

C.r. Toogood & Co. LimitedLeatherheadAuthorised Cadence Finance LimitedKingston upon ThamesAuthorised Capital Financial ConsultantsLeatherheadAuthorised Chris O'Neill Mortgages LimitedKingston upon ThamesAuthorised D G S Mortgage Solutions LtdEpsomAuthorised

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 Xpress Mortgages

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

2 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 12 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Xpress Mortgages Limited FCA authorised?

Yes, Xpress Mortgages Limited (FRN 670444) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Xpress Mortgages’ phone number and website?

The FCA register lists the phone number 01932 350641 and the website xpressmortgages.co.uk for Xpress Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Xpress Mortgages a scam or clone?

Xpress 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 Xpress 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 Xpress Mortgages to the Financial Ombudsman Service, free of charge.

Who owns Xpress Mortgages?

Companies House lists one person with significant control of Xpress Mortgages: Ms Rachel Lummis (75–100% of shares).

Who runs Xpress Mortgages?

Companies House lists 2 directors of Xpress Mortgages: Rachel Lummis and Carmen Green.

How long has Xpress Mortgages been in business?

The company was formed on 2 October 2006, and has held its current FCA authorisation since June 2015.

What do Xpress Mortgages’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £137k (+2.7% from £133k).