Yellow Brick Mortgages Ltd: 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 8 years
Protected through the principal
No FCA actions
Active company since 2018
Accounts filed up to 31 January 2026

Responsible principal firm

Commercial Finance Brokers UK Limited Reference number: 736199 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.
Yellow Brick Mortgages Ltd (FRN 798206) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Yellow Brick Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Yellow Brick Mortgages, 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.

Website

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

07900 007630
Address

201 Plumstead Road, Norwich, Norfolk, NR1 4AB, United Kingdom

In the full report: 3 background checks

When ybmortgages.co.uk first appeared online, and whether it can receive email
What kind of line 07900 007630 is
Who else gives the postcode NR1 4AB

Other names (9)

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

Flint Finance Trading name: A name it trades under now.
Stobart & Hurrell Mortgages Trading name: A name it trades under now.
Th!nk Financial Trading name: A name it trades under now.
Yellow Brick Commercial Finance Trading name: A name it trades under now.
Yellow Brick Retirement Solutions Trading name: A name it trades under now.
A Modern Mortgage Former trading name: A name it used to trade under.
Axe Financial Former trading name: A name it used to trade under.
Axe Mortgages Former trading name: A name it used to trade under.
The Modern Mortgage Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Commercial Finance Brokers UK 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: 11135114 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 January 2018 (8 years old)
Registered office: 201 Plumstead Road, Norwich, NR1 4AB, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Gregory James Owen Marcham	Director	Aug 1977	5 Jan 2018	7 other companies
Stephen John Perkins	Director	Aug 1982	5 Jan 2018	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: 7
closed down: 1
still active: 6

In the full report: all 7 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

Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

£122k

+171% from £45.1k

Cash at bank

£187k

−13% from £215k

Employees (average)

15

+36% from 11

No turnover or profit for the year to 31 January 2026: the accounts print them but do not tag them. The last tagged figures are £1.55m turnover and £247k profit, for the year to 31 January 2021.

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.

Accounts filed at Companies House for company 11135114. 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

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

Key events (4) All events (19)

2018

9 January 2018

Became an appointed representative

FCA register

5 January 2018

Incorporated at Companies House
Gregory James Owen Marcham gained significant control
Stephen John Perkins gained significant control

Companies House

In the full report: all 19 events

All 19 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms connected to Yellow Brick Mortgages

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

connected firms: 2
no longer authorised: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Yellow Brick Mortgages

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

In Norwich

Haysto LtdNorwichAppointed representative Active Mortgage Solutions (East Anglia) LtdNorwichAppointed representative Andrew Michael MorrisNorwichAppointed representative Aspire Mortgages LtdNorwichAppointed representative Asset Financial Services LimitedNorwichAppointed representative Babb Mortgages LimitedNorwichAppointed 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 Yellow Brick Mortgages

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

7 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 19 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Yellow Brick Mortgages Ltd FCA authorised?

Yellow Brick Mortgages Ltd (FRN 798206) 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 Yellow Brick Mortgages?

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. Yellow Brick Mortgages Ltd (FRN 798206) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Yellow Brick Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Yellow Brick Mortgages, 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 Yellow Brick Mortgages’ phone number and website?

The FCA register lists the phone number 07900 007630 and the website ybmortgages.co.uk for Yellow Brick Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Yellow Brick Mortgages a scam or clone?

Yellow Brick 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 Yellow Brick Mortgages?

Protection works through Commercial Finance Brokers UK Limited, the principal firm responsible for Yellow Brick Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Yellow Brick Mortgages?

Companies House lists 2 people with significant control of Yellow Brick Mortgages: Mr Gregory James Owen Marcham (significant influence or control) and Stephen John Perkins (significant influence or control).

Who runs Yellow Brick Mortgages?

Companies House lists 2 directors of Yellow Brick Mortgages: Gregory James Owen Marcham and Stephen John Perkins.

How long has Yellow Brick Mortgages been in business?

The company was formed on 5 January 2018.

What do Yellow Brick Mortgages’ latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of £122k (+171% from £45.1k) and cash at bank of £187k (−13% from £215k).

Does Yellow Brick Mortgages use any other names?

It trades as Flint Finance, Stobart & Hurrell Mortgages, Th!nk Financial, Yellow Brick Commercial Finance and Yellow Brick Retirement Solutions. It has previously used 4 other names, including A Modern Mortgage, Axe Financial and Axe Mortgages.