UK MORTGAGE LENDING LTD

Active Cardiff

Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

0 employees website.com
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
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UK MORTGAGE LENDING LTD

Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Founded 19 Sept 2013 Active Cardiff, Wales 0 employees website.com
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Previous Company Names

OPTIMUM CREDIT LIMITED 19 Sept 2013 — 21 Jan 2022
Accounts Submitted 10 Sept 2025 Next due 30 Sept 2026 5 months remaining
Confirmation Submitted 2 Apr 2026 Next due 9 Apr 2027 11 months remaining
Net assets £96M £2M 2024 year on year
Total assets £2,967M £30M 2024 year on year
Total Liabilities £2,870M £31M 2024 year on year
Charges 4
4 satisfied

Contact & Details

Contact

Registered Address

4 Capital Quarter Tyndall Street Cardiff CF10 4BZ Wales

Telephone

0800 000 0000

Email

info@example.com

Website

www.example.com

Full company profile for UK MORTGAGE LENDING LTD (08698121), an active company based in Cardiff, Wales. Incorporated 19 Sept 2013. Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors. View financials, directors, shareholders, and filings.

Business Summary

This company specializes in providing innovative solutions and services across multiple sectors.

Products & Services

consulting software analytics integration

Reports

Credit Report

In-depth credit score, financial analysis, risk assessment and company intelligence.

Financials

Financials

Period 1 Jan → 31 Dec 2024
Type Total Exemption Full
Next accounts 31 December 2025
Due by 30 September 2026 9 months

Net Assets, Total Assets & Total Liabilities (2014–2024)

Cash in Bank

£23.85M

Increased by £3.25M (+16%)

Net Assets

£96.45M

Decreased by £1.62M (-2%)

Total Liabilities

£2870.26M

Increased by £31.20M (+1%)

Turnover

£209.98M

Decreased by £5.04M (-2%)

Employees

N/A

Debt Ratio

97%

Financial History

Revenue, profit, EBITDA and key financial figures

2024
Dec Year End
2023
Dec Year End
P&L
Revenue
£142.3M
£128.7M
Gross Profit
£48.2M
£43.1M
Operating Profit
£22.4M
£19.8M
Net Profit
£18.1M
£15.9M
EBITDA
£31.5M
£28.2M
Assets
Cash
£24.7M
£21.3M
Total Assets
£89.4M
£82.1M
Liabilities
Total Liabilities
£45.2M
£41.8M
Key Metrics
Employees
1,247
1,156
Latest Revenue
£142.3M
Latest EBITDA
£31.5M
Cash Position
£24.7M

Funding

Fundraising & Grants

No fundraising or grants recorded

Investors (0)

No investor information available

Share Capital

Share Capital

Share allotments and capital structure

4 Allotments 6,666 Shares £27802.22m Total
Date FromShare ClassShares AllottedAmount RaisedPrice/Share
24 May 2024556£2782.22m£5.00m
30 Mar 20231,666£24980.00m£14.99m
17 Feb 20221,111£10.00m£9k
29 Sept 20213,333£30.00m£9k

Officers

Officers

0 active 3 resigned
Status

No officers found

No officers found

Shareholders

Shareholders (1)

Pepper Money (pmb) Limited
100.0%
10,010,417

Persons with Significant Control

Persons with Significant Control (1)

1 Active 1 Ceased
Active
Notified 13 Dec 2018
Nature of Control
  • Ownership Of Shares 75 To 100 Percent

Patron Capital Advisers Llp

Ceased 13 Dec 2018

Ceased

Group Structure

Group Structure

UK MORTGAGE LENDING LTD Current Company

Charges

Charges

4 satisfied

Properties

Properties

5 leasehold 5 total
AddressTenurePrice PaidDate Added
Parking spaces Tyndall Street, Cardiff CARDIFF
Leasehold-9 May 2019
Fifth Floor, 4 Capital Quarter, Tyndall Street, Cardiff (CF10 4BZ) CARDIFF
Leasehold-9 May 2019
Fourth Floor Parking Spaces, Capital Quarter, Tyndall Street, Cardiff CARDIFF
Leasehold-9 May 2019
Fourth Floor Parking Spaces, Capital Quarter, Tyndall Street, Cardiff CARDIFF
Leasehold-9 May 2019
First Floor, 4 Capital Quarter, Tyndall Street, Cardiff (CF10 4BZ) CARDIFF
Leasehold-9 May 2019
Parking spaces Tyndall Street, Cardiff
Leasehold
Added 9 May 2019
District CARDIFF
Fifth Floor, 4 Capital Quarter, Tyndall Street, Cardiff (CF10 4BZ)
Leasehold
Added 9 May 2019
District CARDIFF
Fourth Floor Parking Spaces, Capital Quarter, Tyndall Street, Cardiff
Leasehold
Added 9 May 2019
District CARDIFF
Fourth Floor Parking Spaces, Capital Quarter, Tyndall Street, Cardiff
Leasehold
Added 9 May 2019
District CARDIFF
First Floor, 4 Capital Quarter, Tyndall Street, Cardiff (CF10 4BZ)
Leasehold
Added 9 May 2019
District CARDIFF

Documents

Company Filings

DateCategoryDescriptionDocument
2 Apr 2026Confirmation StatementConfirmation statement made on 2026-03-26 with no updates
4 Dec 2025OfficersChange to director Mr Andrew James Voss on 2025-12-03
10 Sept 2025AccountsAnnual accounts made up to 2024-12-31
1 Jul 2025OfficersTermination of Stuart John Deane as director on 2025-06-30
20 May 2025OfficersAppointment of Mr James Desmond O'shea as director on 2025-03-31
2 Apr 2026 Confirmation Statement

Confirmation statement made on 2026-03-26 with no updates

4 Dec 2025 Officers

Change to director Mr Andrew James Voss on 2025-12-03

10 Sept 2025 Accounts

Annual accounts made up to 2024-12-31

1 Jul 2025 Officers

Termination of Stuart John Deane as director on 2025-06-30

20 May 2025 Officers

Appointment of Mr James Desmond O'shea as director on 2025-03-31

Recent Activity

Latest Activity

Confirmation statement made on 2026-03-26 with no updates

2 weeks ago on 2 Apr 2026

Change to director Mr Andrew James Voss on 2025-12-03

4 months ago on 4 Dec 2025

Annual accounts made up to 2024-12-31

7 months ago on 10 Sept 2025

Termination of Stuart John Deane as director on 2025-06-30

9 months ago on 1 Jul 2025

Appointment of Mr James Desmond O'shea as director on 2025-03-31

11 months ago on 20 May 2025