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REGISTERED NUMBER: 12425176 (England and Wales)

| Unaudited Financial Statements |

| for the Year Ended 30 April 2025 |

| for |

| Northbank Mortgage Solutions Ltd |

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Contents of the Financial Statements

for the Year Ended 30 April 2025

Page |

| Company Information | 1 |

| Balance Sheet | 2 |

| Notes to the Financial Statements | 4 |

| Northbank Mortgage Solutions Ltd |

Company Information

for the Year Ended 30 April 2025

| DIRECTORS: | R J W Dodgson

| K Dodgson

| REGISTERED OFFICE: | 13 Atley Business Park

| Cramlington

| NE23 1WP

| REGISTERED NUMBER: | 12425176 (England and Wales)

| ACCOUNTANTS: | Clive Owen LLP

| Chartered Accountants

| Kepier House

| Belmont Business Park

| Durham

| DH1 1TW

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Balance Sheet

30 April 2025

| 2025 |  | 2024

| Notes | £ | £ |

FIXED ASSETS

Tangible assets | 4 | 28 |  | 94 |  |

CURRENT ASSETS

Debtors | 5 | 15,060 |  | 9,696 |  |

Cash at bank | 21,083 |  | 19,764 |  |

36,143 |  | 29,460 |  |

CREDITORS

Amounts falling due within one year | 6 | (16,024 | ) | (15,048 | ) |

NET CURRENT ASSETS | 20,119 |  | 14,412 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | 20,147 |  | 14,506 |  |

CREDITORS

Amounts falling due after more than one year | 7 | (20,132 | ) | (13,578 | ) |

PROVISIONS FOR LIABILITIES | 8 | - |  | (19 | ) |

NET ASSETS | 15 |  | 909 |  |

CAPITAL AND RESERVES

Called up share capital | 9 | 2 |  | 2 |  |

Retained earnings | 13 |  | 907 |  |

SHAREHOLDERS' FUNDS | 15 |  | 909 |  |

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30 April 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 30 April 2025 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for:

(a) | ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b) | preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Balance Sheet - continued

30 April 2025

The financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

In accordance with Section 444 of the Companies Act 2006, the Profit and Loss Account has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 18 December 2025 and were signed on its behalf by:

R J W Dodgson - Director

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Notes to the Financial Statements

for the Year Ended 30 April 2025

1. | STATUTORY INFORMATION

| Northbank Mortgage Solutions Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

2. | ACCOUNTING POLICIES

| Basis of preparing the financial statements

| These financial statements have been prepared in accordance with Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" including the provisions of Section 1A "Small Entities" and the Companies Act 2006. The financial statements have been prepared under the historical cost convention.

| There were no material departures from that standard.

| The principal accounting policies adopted in the preparation of the financial statements are set out below.

| Related party exemption

| The company has taken advantage of exemption, under the terms of Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland', not to disclose related party transactions with related parties conducted under normal market conditions.

| Turnover

| Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

| Income recognition

| Revenue from the provision of services is recognised when the mortgages have been provided to the final customer.

| Tangible fixed assets

| Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

| Fixtures and fittings | - | 20% on cost

| Computer equipment | - | 33% on cost

| Tangible fixed assets are stated at cost less accumulated depreciation and impairment.

| Financial instruments

| Basic financial instruments are recognised at amortised cost with changes recognised in profit and loss.

| Taxation

| Taxation for the year comprises current and deferred tax. Tax is recognised in the Profit and Loss Account, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

| Current or deferred taxation assets and liabilities are not discounted.

| Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the balance sheet date.

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Notes to the Financial Statements - continued

for the Year Ended 30 April 2025

2. | ACCOUNTING POLICIES - continued

| Deferred tax

| Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

| Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

| Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

3. | EMPLOYEES AND DIRECTORS

| The average number of employees during the year was 2 (2024 - 2 ) .

4. | TANGIBLE FIXED ASSETS

| Fixtures |

| and |  | Computer |

| fittings |  | equipment |  | Totals

£ | £ | £ |

| COST

| At 1 May 2024

| and 30 April 2025 | 327 |  | 1,087 |  | 1,414 |  |

| DEPRECIATION

| At 1 May 2024 | 233 |  | 1,087 |  | 1,320 |  |

| Charge for year | 66 |  | - |  | 66 |  |

| At 30 April 2025 | 299 |  | 1,087 |  | 1,386 |  |

| NET BOOK VALUE

| At 30 April 2025 | 28 |  | - |  | 28 |  |

| At 30 April 2024 | 94 |  | - |  | 94 |  |

5. | DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |

2025 | 2024 |

£ | £ |

| Trade debtors | - |  | 26 |  |

| Other debtors | 2 |  | 2 |  |

| Directors' current accounts | 15,012 |  | 9,622 |  |

| Prepayments | 46 |  | 46 |  |

15,060 |  | 9,696 |  |

6. | CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |

2025 | 2024 |

£ | £ |

| Bank loans and overdrafts | 4,439 |  | 2,663 |  |

| Taxation and social security | 10,385 |  | 11,185 |  |

| Accruals and deferred income | 1,200 |  | 1,200 |  |

16,024 |  | 15,048 |  |

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Notes to the Financial Statements - continued

for the Year Ended 30 April 2025

7. | CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR |

2025 | 2024 |

£ | £ |

| Bank loans - 1-2 years | 4,632 |  | 2,670 |  |

| Bank loans - 2-5 years | 15,278 |  | 8,010 |  |

| Bank loans more than 5 years | 222 |  | 2,898 |  |

20,132 |  | 13,578 |  |

| Amounts falling due in more than five years:

| Repayable by instalments

| Bank loans more than 5 years | 222 |  | 2,898 |  |

8. | PROVISIONS FOR LIABILITIES

2025 | 2024 |

£ | £ |

| Deferred tax | - |  | 19 |  |

| Deferred |

| tax |

£ |

| Balance at 1 May 2024 | 19 |  |

| Accelerated capital allowances | (19 | ) |

| Balance at 30 April 2025 | - |  |

9. | CALLED UP SHARE CAPITAL

| Allotted and issued:

| Number: | Class: | Nominal | 2025 | 2024 |

| value: | £ | £ |

| 2 | Ordinary | £1 | 2 |  | 2 |  |

10. | DIRECTORS' ADVANCES, CREDITS AND GUARANTEES

| The following advances and credits to a director subsisted during the years ended 30 April 2025 and 30 April 2024:

2025 | 2024 |

£ | £ |

| R J W Dodgson

| Balance outstanding at start of year | 9,622 |  | 9,445 |  |

| Amounts advanced | 23,490 |  | 57,379 |  |

| Amounts repaid | (18,100 | ) | (57,202 | ) |

| Amounts written off | - |  | - |  |

| Amounts waived | - |  | - |  |

| Balance outstanding at end of year | 15,012 |  | 9,622 |  |

| Northbank Mortgage Solutions Ltd (Registered number: 12425176) |

Notes to the Financial Statements - continued

for the Year Ended 30 April 2025

11. | RELATED PARTY DISCLOSURES

| There were no related party transactions other than those concluded under normal market conditions, except for those shown below:

|  | 2025 |  |  | 2024 |

|  | £ |  |  | £ |

| Amounts due from directors |  | 15,012 |  |  | 9,622 |

| No interest has been charged. |  |