The Mortgage Works (UK) Plc

Reference number: 189623

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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.

Company details

From the company's Companies House record.

Company number
02222856
Company status
Active
Company type
Public limited company
Incorporated
19 February 1988 (38 years old)
Registered office
Nationwide House, Pipers Way, Swindon, SN38 1NW
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Gavin Smyth Director Jul 1977 24 Mar 2021
Henry Jordan Director Apr 1973 14 Aug 2024
Muir Mathieson Director Aug 1974 6 Sep 2024
NBS COSEC LIMITED Corporate secretary Not published 18 Jan 2019

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.

    Check your FSCS cover →

  • 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.
Show FCA detail (11 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Arranging (bringing about) regulated mortgage contracts
  • Debt Administration
  • Debt-collecting
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to regulated mortgage contracts

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

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Sun Bank Plc

Complaints record

In January–June 2025, the Financial Ombudsman Service received 53 new complaints about this firm, and upheld 34% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on.

  • Mortgages 53

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is The Mortgage Works (UK) Plc FCA authorised?
Yes, The Mortgage Works (UK) Plc (FRN 189623) is authorised by the FCA to carry out regulated activities.
Is my money safe with The Mortgage Works (UK)?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Mortgage Works (UK) to the Financial Ombudsman Service, free of charge.
Is The Mortgage Works (UK) a scam or clone?
The Mortgage Works (UK) 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 The Mortgage Works (UK)'s Firm Reference Number (FRN)?
The Mortgage Works (UK)'s FRN is 189623. You can verify it on the FCA register.