UK Independent. Sourced. Primary. · Est. 2024

Mortgage Central Ltd | Mortgage Brokers | Clacton-On-Sea | Est. 2007

Mortgage Central Ltd is a mortgage brokers registered in Clacton-On-Sea, established 2007. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Mortgage Central Ltd

Mortgage Brokers · Clacton-On-Sea, Colchester · Est. 2007

19 years
Active Trading
Active
CH Status
06366971
Company No
2025
Accounts to

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Company Registration Details

Registered company nameMortgage Central Ltd
Companies House number06366971 →
Company typePrivate Limited Company (Ltd)
Registered addressUnit A, Swains Farm Building 89 The Street Little Clacton, CO16 9LT
City / RegionClacton-On-Sea, Colchester
Date incorporated2007
Years trading19 years
CH statusActive
SpecialismRecorded activity: 64999 (financial intermediation not elsewhere classified)
Index statusClaim this listing →

About Mortgage Central Ltd

Founded in 2007, Mortgage Central Ltd has been active for 19 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.

Colchester accounts for 36 of the 5754 mortgage brokers tracked on this index.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

What Mortgage Brokers Do

A mortgage broker's role is to place your application with the lender whose criteria fit your income, deposit and property. The breadth of lender access differs between firms and shapes the range of products a borrower will actually see.

Cases that fail one lender's criteria frequently pass another's; mapping that terrain is the broker's value.

How to Choose the Right Mortgage Broker

Matching the firm to the case matters: portfolio landlords, contractors and expats are better served by brokers who work those niches daily. Establish early what the firm can access and how it has handled comparable applications.

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?
Going direct works for straightforward cases with a lender you already fit. The case for a broker is breadth: many lenders' criteria compared simultaneously, and knowledge of which specialist lenders accept cases the high street declines.
How much does a mortgage broker charge?
Some brokers charge you nothing directly and are remunerated by the lender; others charge a disclosed client fee. Confirm the total cost of the service in writing before proceeding.
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?
A decline is frequently a criteria mismatch rather than a verdict on you. Firms that know lender appetite can identify where your circumstances fit and structure the resubmission accordingly.

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with Mortgage Central Ltd or any listed firm. 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.

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