UK Companies House feature
MORTGAGE ADVICE BUREAU LIMITED
Profile
- Company number
- 03368205
- Status
- Active
- Incorporation
- 1997-05-09
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have assessed the Company and its wider Mortgage Advice Bureau (Holdings) plc group's financial prospects until 31 December 2026, considering the current operating environment, and impact of the ongoing geopolitical and macroeconomic uncertainties. The Directors' assessment includes a review of the Board approved Group and Company plan, principal risks and uncertainties as well as a review of profitability, cash flows, regulatory capital requirements and compliance with borrowing covenants under the Group's current debt facility.”
Subsidiaries
- Mortgage Advice Bureau (Derby) Limited · 100% held · Provision of financial services
- Capital Protect Limited · 100% held · Provision of financial services
- MABWM Limited · 100% held · Provision of financial services
- Mortgage Advice Bureau Australia (Holdings) PTY limited · 100% held · Intermediate holding company
- Mortgage Advice Bureau PTY Limited · 100% held · Holding of intellectual property
- First Mortgage Direct Limited · 100% held · Provision of financial services
- First Mortgage Limited · 100% held · Provision of financial services
- Property Law Centre Limited · 100% held · Provision of financial services
- Mortgage Advice Bureau (UK) Limited · 100% held · Dormant
- MAB (Derby) Limited · 100% held · Dormant
- MAB 1 Limited · 100% held · Dormant
- MAB Financial Planning Limited · 100% held · Dormant
- First Mortgage Shop Limited · 100% held · Dormant
- First Mortgages Limited · 100% held · Dormant
- Fresh Start Finance Limited · 100% held · Dormant
- Mortgage Advice Bureau (Bristol) Ltd · 100% held · Dormant
- MAB Private Finance Limited · 100% held · Dormant
- Vita Financial Limited · 75% held · Provision of financial services
- BPR Protect Limited · 75% held · Provision of financial services
- Company Protection Limited · 56.3% held · Provision of financial services
- Aux Group Limited · 75% held · Provision of financial services
- Auxilium Partnership Limited · 75% held · Provision of financial services
- Project Finland Topco Limited · 84.3% held · Intermediate holding company
- Project Finland Bidco Limited · 84.3% held · Intermediate holding company
- The Fluent Money Group Limited · 84.3% held · Intermediate holding company
- Fluent Mortgages Holdings Limited · 84.3% held · Intermediate holding company
- Fluent Mortgages Limited · 84.3% held · Provision of financial services
- Fluent Mortgages Horwich Ltd · 84.3% held · Provision of financial services
- Fluent Lifetime Limited · 84.3% held · Provision of financial services
- Fluent Money Limited · 84.3% held · Provision of financial services
- Fluent Loans Limited · 84.3% held · Provision of financial services
- Fluent Bridging Limited · 84.3% held · Provision of financial services
Significant events
- “On 4 April 2025, the Company increased its shareholding in Heron Financial Limited by 25.5% to 74.5% for total consideration of £1.2m.”
- “In May 2025, the Company declared and paid a dividend of £8.4m to its immediate parent company, Mortgage Advice Bureau (Holdings) plc.”
- “On 20 June 2025, the Company acquired 49% of The Mortgage Mum Holdings Limited for a consideration of £0.5m, on the same date a put and call option was entered into to acquire a further 26% of the share capital.”
- “On 19 September 2025, the Company acquired an additional 51% interest in Evolve FS Limited ("Evolve") for an initial cash consideration of £0.8m, increasing its holding from 49% to 100%.”
- “On 19 September 2025, the Company acquired an additional 40% interest in Meridian Holdings Group Limited for an initial cash consideration of £1.3m, increasing its ownership from 40% to 80%.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
2 active · 19 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BRODNICKI, Peter Christopher Steven | Director | 2000-06-19 | May 1962 | British |
| BURGAUD MCCARTHY, Emilie Nadia Marcelline | Director | 2024-07-24 | Dec 1980 | French |
Show 19 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BLUNT, Simon Charles | Secretary | 1997-05-09 | 1999-05-26 |
| COPE, Daren | Secretary | 1999-05-26 | 2001-05-01 |
| HOLLER, Fabien | Secretary | 2021-01-01 | 2024-06-30 |
| ROBINSON, Paul James | Secretary | 2001-05-01 | 2016-05-27 |
| TILLEY, Lucy Claire | Secretary | 2016-05-27 | 2021-01-01 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1997-05-09 | 1997-05-09 |
| BIRCH, Peter William James | Director | 2012-03-07 | 2014-10-10 |
| BLUNT, Simon Charles | Director | 1997-05-09 | 2014-01-06 |
| BULLIMORE, Justin Jeffrey | Director | 2002-10-01 | 2003-03-31 |
| FEARNEHOUGH, John David | Director | 1999-10-14 | 2000-05-22 |
| HARPIN, Richard David | Director | 1999-01-12 | 2000-08-01 |
| KELSALL, Michelle | Director | 2001-05-01 | 2006-11-02 |
| KELSALL, Michelle | Director | 1999-12-01 | 2000-09-19 |
| NICHOLAS, Samantha Jane | Director | 2001-05-01 | 2003-01-31 |
| PALMER, Richard Michael | Director | 1997-05-09 | 2014-01-06 |
| PREECE, David Robert, M | Director | 2004-07-28 | 2019-07-01 |
| ROBINSON, Paul James | Director | 2001-05-01 | 2015-11-10 |
| THOMPSON, Benjamin David | Director | 2018-06-07 | 2025-12-31 |
| TILLEY, Lucy Claire | Director | 2015-11-10 | 2024-06-07 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mortgage Advice Bureau (Holdings) Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 153 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-17 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2026-01-09 | TM01 | officers | termination director company with name termination date |
| 2025-11-04 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-11-04 | CH01 | officers | change person director company with change date |
| 2025-09-29 | AA | accounts | accounts with accounts type full |
| 2025-04-16 | CH01 | officers | change person director company with change date |
| 2025-04-03 | ANNOTATION | miscellaneous | legacy |
| 2024-10-22 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-10-10 | AA | accounts | accounts with accounts type full |
| 2024-08-15 | TM02 | officers | termination secretary company with name termination date |
| 2024-07-26 | AP01 | officers | appoint person director company with name date |
| 2024-06-14 | TM01 | officers | termination director company with name termination date |
| 2023-11-01 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-10-14 | AA | accounts | accounts with accounts type full |
| 2022-11-03 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-10-05 | AA | accounts | accounts with accounts type full |
| 2022-04-07 | MR04 | mortgage | mortgage satisfy charge full |
| 2022-04-01 | MA | incorporation | memorandum articles |
| 2022-04-01 | RESOLUTIONS | resolution | resolution |
| 2022-04-01 | RESOLUTIONS | resolution | resolution |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.