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Central Mortgages Limited

Mortgage Brokers · Billericay, Rest of UK · Est. 2015

11 years

Active Trading

Active

CH Status

09605060

Company No

2025

Accounts to

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Company Registration Details

Registered company name	Central Mortgages Limited
Companies House number	09605060 →
Company type	Private Limited Company (Ltd)
Registered address	Lakeview House 4 Woodbrook Crescent, CM12 0EQ
City / Region	Billericay, Rest of UK
Date incorporated	2015
Years trading	11 years
CH status	Active
Specialism	Recorded activity: 82990 (other business support services)
Index status	Claim this listing →

About Central Mortgages Limited

Founded in 2015, Central Mortgages Limited has been active for 11 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

It is one of 823 mortgage brokers listed in the UK on this index of 5754 UK firms in the category.

Check the Financial Services Register first: authorisation status, permissions and any trading names the firm uses.

What Mortgage Brokers Do

Mortgage advisers assess affordability, recommend a product and manage the application through to offer. Some firms search the entire market; others operate from a lender panel, which must be disclosed before advice is given.

Away from vanilla purchases, lender appetite varies widely, and matching case to lender is the skill being bought.

How to Choose the Right Mortgage Broker

Choose by case type: mainstream residential, buy-to-let, later-life lending and adverse credit are distinct specialisms. A short scoping call establishes lender access, typical turnaround and whether the firm has an appetite for your case.

Most firms are paid a procuration fee by the lender on completion; some add a client fee, which must be disclosed upfront.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.

How much does a mortgage broker charge?

Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.

What documents do I need to provide to a mortgage broker?

Identity documents, address proof, bank statements, income evidence and details of debts form the core; self-employed applicants should have two to three years of accounts or tax calculations ready.

How long does the mortgage process take when using a broker?

From application to offer is commonly two to six weeks with mainstream lenders, longer for specialist lending. A firm that manages the lender relationship actively can compress that materially.

Can a mortgage broker help if I have been declined by a lender?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

Other Mortgage Brokers in Billericay

Equity Release Brokers LimitedBillericay · Est. 2019	View →
Central Mortgages (Essex) LtdBillericay · Est. 2003	View →
Central Mortgage Packaging LimitedBillericay · Est. 2007	View →

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Central Mortgages Limited or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Central Mortgages Limited | Mortgage Brokers | Billericay | Est. 2015