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FIRST MORTGAGE DIRECT LIMITED

Active Edinburgh

Activities of insurance agents and brokers

223 employees Website
Financial services Activities of insurance agents and brokers
F

FIRST MORTGAGE DIRECT LIMITED

Activities of insurance agents and brokers

Founded 21 May 1997 Active Edinburgh, United Kingdom 223 employees firstmortgage.co.uk
Financial services Activities of insurance agents and brokers
Accounts Submitted 29 Sept 2025
Confirmation Statement Submitted 31 Oct 2025
Net assets £4.14M £5.17M 2024 year on year
Total assets £11.54M £4.08M 2024 year on year
Total Liabilities £7.40M £1.08M 2024 year on year
Charges 2
1 outstanding 1 satisfied

AI Analysis

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Contact & Details

Contact

Update Details

Registered Address

30 Walker Street Edinburgh EH3 7HR

Office (Dundee)

23-25 Crichton St, Dundee DD1 3AR

Telephone

0131 220 6205

Credit Report

Discover FIRST MORTGAGE DIRECT LIMITED's Credit Score, limit, and payment likelihood.

Mutual Companies

See All Mutual Companies

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

£98.00k

Increased by £36.00k (+58%)

Net Assets

£4.14M

Decreased by £5.17M (-56%)

Total Liabilities

£7.40M

Increased by £1.08M (+17%)

Turnover

£27.41M

Increased by £4.76M (+21%)

Employees

223

Debt Ratio

64%

Increased by 24 (+60%)
See 10 Year Full Financials

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

Officers

Officers

4 active 7 resigned
Status
Benjamin David ThompsonDirectorBritishUnited Kingdom562 Jul 2019Active
Emilie Nadia Marcelline Burgaud MccarthyDirectorFrenchEngland4518 Jun 2024Active
Ian Robert McgrailDirectorBritishUnited Kingdom462 Jul 2019Active
Peter Christopher Steven BrodnickiDirectorBritishUnited Kingdom632 Jul 2019Active

Shareholders

Shareholders (2)

Mortgage Advice Bureau Ltd
100.0%
1005 Nov 2024
Ian Robert Mcgrail
0.0%
05 Nov 2024

Persons with Significant Control

Persons with Significant Control (1)

1 Active 2 Ceased

Mortgage Advice Bureau Limited

United Kingdom

Active
Notified 2 Jul 2019
Nature of Control
  • Ownership Of Shares 75 To 100 Percent
  • Voting Rights 75 To 100 Percent
  • Right To Appoint And Remove Directors

Ian Robert Mcgrail

Ceased 2 Jul 2019

Ceased

Robert Lawrence Mcgrail

Ceased 2 Jul 2019

Ceased
See All Controllers

Group Structure

Group Structure

MORTGAGE ADVICE BUREAU LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
MORTGAGE ADVICE BUREAU (HOLDINGS) PLC united kingdom
FIRST MORTGAGE DIRECT LIMITED Current Company
FIRST MORTGAGE LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
FIRST MORTGAGE SHOP LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
FIRST MORTGAGES LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
FRESH START FINANCE LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
LUCRA MORTGAGES LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
M & R FM LTD united kingdom shares 50 to 75 percent, voting rights 50 to 75 percent
PROPERTY LAW CENTRE LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

Charges

Charges

1 outstanding 1 satisfied

Documents

Company Filings

DateCategoryDescriptionDocument
15 Dec 2025OfficersChange to director Mr Ian Robert Mcgrail on 2025-12-08View(2 pages)
31 Oct 2025Confirmation StatementConfirmation statement made on 2025-10-16 with no updatesView(3 pages)
29 Sept 2025OfficersChange to director Mr Ian Robert Mcgrail on 2023-06-01View(2 pages)
29 Sept 2025AccountsAnnual accounts made up to 2024-12-31View(34 pages)
5 Nov 2024Confirmation StatementConfirmation statement made on 2024-10-16 with updatesView(4 pages)
15 Dec 2025 Officers

Change to director Mr Ian Robert Mcgrail on 2025-12-08

View Document(2 pages)
31 Oct 2025 Confirmation Statement

Confirmation statement made on 2025-10-16 with no updates

View Document(3 pages)
29 Sept 2025 Officers

Change to director Mr Ian Robert Mcgrail on 2023-06-01

View Document(2 pages)
29 Sept 2025 Accounts

Annual accounts made up to 2024-12-31

View Document(34 pages)
5 Nov 2024 Confirmation Statement

Confirmation statement made on 2024-10-16 with updates

View Document(4 pages)

Recent Activity

Latest Activity

Change to director Mr Ian Robert Mcgrail on 2025-12-08

2 months ago on 15 Dec 2025

Confirmation statement made on 2025-10-16 with no updates

3 months ago on 31 Oct 2025

Change to director Mr Ian Robert Mcgrail on 2023-06-01

4 months ago on 29 Sept 2025

Annual accounts made up to 2024-12-31

4 months ago on 29 Sept 2025

Confirmation statement made on 2024-10-16 with updates

1 years ago on 5 Nov 2024