UK Mortgage Lending Ltd

Reference number: 710410

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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 8 other names
  • Optimum Credit
  • Pepper Homeloans
  • Pepper Money
  • Pepper Money Business Mortgages
  • Pepper Money Commercial Mortgages
  • UKMLL
  • www.optimumcredit.co.uk
  • www.pepper.money

Company details

From the company's Companies House record.

Company number
08698121
Company status
Active
Company type
Private limited company
Incorporated
19 September 2013 (12 years old)
Registered office
4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ, Wales
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Steven James Colsell Director Jul 1964 15 Jul 2020
Laurence Morey Director Jun 1974 5 Aug 2020
Andrew James Voss Director Jul 1976 30 May 2023
Kimberley Bird Director Feb 1970 1 Jul 2024
James Desmond O'Shea Director Feb 1956 31 Mar 2025
Anthony John Keeble Secretary Not published 10 Jul 2024

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.
  • 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 Administrator
  • Acting as a CBTL lender
  • Acting as a CBTL Lender
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Entering into a regulated mortgage contract as lender
  • 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

FCA actions and complaints

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

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.

  • Optimum Credit Limited

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Common questions

Frequently asked questions

Is UK Mortgage Lending Ltd FCA authorised?
Yes, UK Mortgage Lending Ltd (FRN 710410) is authorised by the FCA to carry out regulated activities.
Is my money safe with UK Mortgage Lending?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about UK Mortgage Lending to the Financial Ombudsman Service, free of charge.
Is UK Mortgage Lending a scam or clone?
UK Mortgage Lending 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 UK Mortgage Lending's Firm Reference Number (FRN)?
UK Mortgage Lending's FRN is 710410. You can verify it on the FCA register.