UK Companies House feature
FIRST MORTGAGE DIRECT LIMITED
Profile
- Company number
- SC175659
- Status
- Active
- Incorporation
- 1997-05-21
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 66220
- 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
“Based on the results of the financial modelling, the Directors expect that the Company will be able to continue in operation and meet its liabilities as they fall due over the 12 months from the date of approval of the financial statements.”
Subsidiaries
- Property Law Centre Limited · 100% held · Provision of financial services
- First Mortgage Limited · 100% held · Provision of financial services
- First Mortgages Limited · 100% held · Dormant
- Fresh Start Finance Limited · 100% held · Dormant
- First Mortgaqge Shop Limited · 100% held · Dormant
Significant events
- “Mortgage Advice Bureau Ltd exercised its option to purchase the remaining 20% of the share capital of the Company, and is now a wholly owned subsidiary.”
- “On 21 March 2025, the Company purchased 100% of the shareholding in Lucra Mortgages Limited for initial consideration of £0.3m with deferred consideration of up to £0.3m contingent on the achievement of certain performenace targets.”
- “In May 2025, the Company declared and paid a dividend of £4.0m to its immediate parent company, Mortgage Advice Bureau Limited.”
- “On 3 April 2025, the Company acquired a further 12% of M & R FM Limited for a consideration of £1.2m, bringing its total stake to 49%.”
- “On 15 September 2025, the Company aquired an additional 15% interest in M&R FM Ltd for cash consideration of £1.4m, increasing its holding from 49% to 64%.”
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
3 active · 8 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BRODNICKI, Peter Christopher Steven | Director | 2019-07-02 | May 1962 | British |
| BURGAUD MCCARTHY, Emilie Nadia Marcelline | Director | 2024-06-18 | Dec 1980 | French |
| MCGRAIL, Ian Robert | Director | 2019-07-02 | Sep 1979 | British |
Show 8 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MCGRAIL, Robert Lawrence | Secretary | 1997-05-21 | 2019-07-02 |
| OSWALDS OF EDINBURGH LIMITED | Corporate Nominee Secretary | 1997-05-21 | 1997-05-21 |
| HOMAN, Paul | Director | 2000-09-15 | 2003-03-14 |
| MCGRAIL, Ian Robert | Director | 2005-03-01 | 2019-07-02 |
| MCGRAIL, Robert Lawrence | Director | 1997-05-21 | 2019-07-02 |
| THOMPSON, Benjamin David | Director | 2019-07-02 | 2025-12-31 |
| TILLEY, Lucy Claire | Director | 2019-07-02 | 2024-06-07 |
| WOODS, Frederick James | Director | 1997-05-21 | 2005-03-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mortgage Advice Bureau Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-07-02 | Active |
| Mr Ian Robert Mcgrail | Individual | Shares 25–50%, Voting 25–50% | 2016-07-11 | Ceased 2019-07-02 |
| Mr Robert Lawrence Mcgrail | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2019-07-02 |
Filing timeline
Last 20 of 101 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-17 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2026-03-13 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2026-03-12 | CH01 | officers | change person director company with change date |
| 2026-01-09 | TM01 | officers | termination director company with name termination date |
| 2025-12-15 | CH01 | officers | change person director company with change date |
| 2025-10-31 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-29 | CH01 | officers | change person director company with change date |
| 2025-09-29 | AA | accounts | accounts with accounts type full |
| 2024-11-05 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-06-27 | AP01 | officers | appoint person director company with name date |
| 2024-06-14 | TM01 | officers | termination director company with name termination date |
| 2024-05-13 | AA | accounts | accounts with accounts type full |
| 2023-11-01 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-10-16 | 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 |
| 2022-03-31 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2021-12-20 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2021-10-01 | AA | accounts | accounts with accounts type full |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Composite activity score · components 0–100 · reference 2026-05-10
36.7
COLD
/ 100
- Filings velocity 67
- Capital events 0
- Officer churn 25
- Headcount trajectory 50
- Accounts trajectory 50
- 8 filing(s) in last 12 months
- 0 appointed, 1 resigned (12mo)