Express Mortgage Services Limited

Reference number: 474427

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Authorised by the FCA

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

Identity

Check their details

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.

Also trades as 4 other names
  • EMSDIRECT
  • Express Bridging
  • Express Insurance Services
  • Express Mortgages

Company details

From the company's Companies House record.

Company number
05167662
Company status
Active
Company type
Private limited company
Incorporated
1 July 2004 (22 years old)
Registered office
Wigan Investment Centre Ground Floor, Waterside Drive, Wigan, WN3 5BA, England
Nature of business
  • Banks (SIC 64191)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Stephen Andrew Hand Director Sep 1975 1 Jul 2004
Paul Rawson Director Nov 1974 1 Jul 2004
Paul Rawson Secretary Not published 1 Jul 2004

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

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

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Names it no longer trades under

This firm has retired 3 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Betterware Mortgages
  • Esale
  • UniteHome Mortgages

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Common questions

Frequently asked questions

Is Express Mortgage Services Limited FCA authorised?
Yes, Express Mortgage Services Limited (FRN 474427) is authorised by the FCA to carry out regulated activities.
Is my money safe with Express Mortgage Services?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Express Mortgage Services to the Financial Ombudsman Service, free of charge.
Is Express Mortgage Services a scam or clone?
Express Mortgage Services is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Express Mortgage Services's Firm Reference Number (FRN)?
Express Mortgage Services's FRN is 474427. You can verify it on the FCA register.