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Registered number:
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
COMPANY INFORMATION
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MM WEALTH LTD
CONTENTS
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MM WEALTH LTD
STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025
The directors present a balanced and comprehensive report on the development and performance of our business during the period and its position for the 12 month period ended 31 December 2025.
For the 12 months to 31 December 2025, the firm operated against a backdrop of persistent inflation uncertainty, evolving interest rate expectations, moderating global growth and heightened geopolitical developments, including political transitions in the UK and US, while continuing to deliver strong investment performance across its strategies. Advice and planning activities remained aligned to clients’ financial objectives, with regular reviews undertaken in response to changing economic conditions. Portfolio outcomes reflected disciplined asset allocation, diversification and adherence to the firm’s established investment process during a year of shifting market leadership.
Revenue increased from £6.4m* to £6.8m, representing growth of 6.3%, driven in part by increased demand for financial planning following the new Chancellor’s reforming budget. Funds under management are in excess of £650m. Recurring revenue increased from £5.8m* to £6.3m (up 8.6%), and profit before tax increased by 17.5%* to £3m. As the new financial year begins, geopolitical tensions — including developments in the Middle East — and ongoing fiscal and policy uncertainty in major economies continue to influence markets and client planning requirements. The firm remains focused on maintaining consistent service delivery and structured review processes to ensure clients remain informed in a changing environment. The business also continues to prioritise disciplined portfolio oversight and robust risk management. Regular updates, seminars and webinars continue to support client understanding in a fluid market environment. *12 month period equivalent
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MM WEALTH LTD
STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025
Regulatory risk
The business is required to manage capital and liquidity requirements and to ensure it has the financial strength and capital adequacy to support the growth of the business and meet the requirement of regulators, the Financial Conduct Authority (FCA). The business is considered as a MIFIDPRU small and non-interconnected firm (SNI). The FCA has established higher and clearer standards of consumer protection across financial services, particularly with Consumer Duty fully embedded in our client centric culture. Under these rules, firms are required to consider the needs, characteristics and objectives of their clients including those with characteristics of vulnerability, and how these factors influence client behaviour at every stage of the client journey. In addition to striving to deliver good client outcomes, firms must understand and evidence whether those outcomes are being met. The Directors and Risk Management department are committed to ensuring that our clients receive good outcomes. The risk of non-compliance is managed through a strong compliance culture, with oversight provided by the Risk Management department. We engage external professional advisers who conduct regular reviews and provide advice. They are contracted to monitor our control environment through regular regulatory requirement updates, file reviews, and annual business risk assessments, with any recommendations promptly implemented. Operational risk Staff are key to the performance and future development of the business and therefore it faces the risk of losing key staff to the competition. This risk is managed by ensuring staff are robustly trained, including sitting professional qualifications well in excess of the FCA requirements and appropriately remunerated with over 50% of staff completing more than 5 years service with the company. Market risk During 2025, market risk was shaped by continued concentration in a narrow group of technology and AI-exposed companies in the early part of the year, followed by a gradual broadening of returns across regions and styles. Inflation trends, evolving interest-rate expectations and moderating growth influenced asset pricing throughout, with geopolitical developments contributing to periods of short-term volatility and risk repricing. The Investment Committee maintained regular oversight of portfolio positioning, ensuring strategies remained appropriately diversified and aligned with their stated objectives and risk parameters. External expertise, including economic and strategic oversight from Dr James Clunie and independent fund research from Tim Stubbs, forms part of the firm’s governance and challenge framework supporting investment decision-making. Cyber risk (information security) The risk that the IT systems become compromised by a cyber attack is mitigated through training of our staff of the latest cyber protection techniques and making aware of any spam and phishing emails. Electronic data is protected with user access controls and Two step verification. External 3rd parties are used to monitor and maintain cyber protection software. Future Developments and performance The business continues to build on its long-standing reputation and looks to deliver further enhanced services to clients and professional connections, maintaining the management policies that have resulted in the substantial growth of recent years. This is through achieving our Chartered Financial Planning Status with the Chartered Insurance Institute. We are very proud that this was successfully retained in April 2026 for the eleventh consecutive year and 8 team members being Chartered in their own right and 2 studying towards their Chartered qualification. Demonstrating our staffs commitment and resilience to any sudden change and maintaining the high standards required to retain Chartered Financial Planning Status. MM Wealth Ltd are proud to celebrate over 40 years in business, in recent years with many of its competitors opting for consolidation, MM Wealth remains ultimately independently owned and in a strong position to manage the future growth of the business. The Shareholders continue to give commitment that it does not want to sell out to national conglomerates or private equity and the focus continues on the development of its core wealth management offering, family wealth management services and bespoke financial planning service, to existing and new clients. Collaborating with professional 3rd party connections including accountants and solicitors to provide the best wealth management service to our clients.
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MM WEALTH LTD
STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025
S172 (1) statement
The directors of the company have throughout the year acted in good faith to promote the success of the company for the benefit of its members as a whole and fully understand their responsibilities over s172(1). The Board have been reviewing its 5 year strategy and holds annual strategy days to consider the likely consequence of such decisions in the long term. Clients Matter; The Board considers their clients as the most important stakeholder in which the entire business model is centred around. The business continues to form and develop its client relationships to ensure that the highest level of service can be provided. This is through meeting with clients regularly either virtually or face to face and ensuring their individual needs and expectations are met. Employees Matter; Without our employees, we cannot function, with commitment from the Board enriching our team through exams and training. The company continues to focus on employees' well-being' with the Company having 3 trained mental health first-aiders and publishing quarterly mental health newsletters. The company continued to assess the engagement of the staff through open discussions. Suppliers matter; Maintaining key supplier relationships is key in order to develop the business' long terms strategies. The recognition of technology continuingly developing remains a major Company focus to enhance our client experience with the collaboration of key suppliers. Ensuring timely payment of supplier invoices allows our suppliers to continue to see us as their important client. The Community and the Environment matters; The directors are focused on ensuring that the business mitigates its impact on the surrounding environment through its continued project of understanding and reducing its environmental impact. Each staff member is allocated one day per year to undertake community work of their choice equating to over 200 hours a year. The business has made donations to Addenbrookes Charitable Trust, Arthur Rank Hospice, Caring Together and other local donations during the year. Donations to national charities, Teenage Cancer Trust and Samaritans Purse UK have also been made in the year. Regulators Matter; The Company is regulated by the Financial Conduct Authority (FCA). MM Wealth conducts itself with the highest possible standards. To ensure it is meeting these high standards; the business continues to consult regularly with several third party consultants along with initiating voluntary audit and inspections of files to ensure that these highest standards do not decrease.
The Company's key financial and other performance indicators during the period were as follows:
12 Months 11 Months Unit Dec 2025 Dec 2024 Turnover £ 6,823,263 5,937,150 Profit before tax £ 3,071,549 2,577,624
The total number of employees for the 12 month period is 24 FTE (2024: 23 - 11 month period).
This report was approved by the board on 16 April 2026 and signed on its behalf.
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MM WEALTH LTD
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025
The directors present their report and the financial statements for the year ended 31 December 2025.
The directors who served during the year were:
The profit for the year, after taxation, amounted to £2,290,691 (2024 - £1,925,616 - 11 month period).
Ordinary dividends were paid to the company's parent, MM Wealth Group Holdings Ltd amounting to £1,996,729 (2024: £810,103). The directors do not recommend payment of a final dividend.
The directors are responsible for preparing the Strategic Report, the Directors' Report and the financial statements in accordance with applicable law and regulations.
In preparing these financial statements, the directors are required to:
∙select suitable accounting policies for the Company's financial statements and then apply them consistently;
∙make judgments and accounting estimates that are reasonable and prudent;
∙prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Company will continue in business.
The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and to enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the Company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.
Likely future developments in the business are discussed in the strategic report.
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MM WEALTH LTD
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025
Objectives and policies
The business' principal financial instruments comprise bank balances, trade debtors and trade creditors. The main purpose of these instruments are to finance the business' operations. Price risk, credit risk, liquidity risk and cash flow risk In respect of bank balances, the liquidity risk is managed by maintaining a sufficient cash reserve at the bank to allow for short term net cash outflows. All the business’ cash balances are held in such a way that achieves a competitive rate of interest. Trade debtors are managed in respect of credit and cash flow risk by policies concerning the credit offered to clients and the regular monitoring of amounts outstanding for both time and credit limits. The amounts presented in the balance sheet are net of allowances for doubtful debtors. Trade creditors' liquidity risk is managed by ensuring sufficient funds are available to meet amounts due.
There have been no significant events affecting the Company since the year end.
Under section 487(2) of the Companies Act 2006, Price Bailey LLP will be deemed to have been reappointed as auditors 28 days after these financial statements were sent to members or 28 days after the latest date prescribed for filing the accounts with the registrar, whichever is earlier.
This report was approved by the board on
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MM WEALTH LTD
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF MM WEALTH LTD
We have audited the financial statements of MM Wealth Ltd (the 'Company') for the year ended 31 December 2025, which comprise the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).
In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.
Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.
Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.
The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' Report thereon. The directors are responsible for the other information contained within the Annual Report. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.
We have nothing to report in this regard.
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MM WEALTH LTD
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF MM WEALTH LTD (CONTINUED)
In our opinion, based on the work undertaken in the course of the audit:
∙the information given in the Strategic Report and the Directors' Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
∙the Strategic Report and the Directors' Report have been prepared in accordance with applicable legal requirements.
In the light of the knowledge and understanding of the Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Strategic Report or the Directors' Report.
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MM WEALTH LTD
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF MM WEALTH LTD (CONTINUED)
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an Auditors' Report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.
Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:
We gained an understanding of the legal and regulatory framework applicable to the company and the industry in which it operates and considered the risk of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations. This included those regulations directly related to the financial statements, including financial reporting, tax legislation and distributable profits and industry regulations including GDPR, employment law, health and safety and Financial Conduct Authority regulations. We communicated the identified laws and regulations with the audit team and remained alert to any indications of non-compliance throughout the audit. We carried out specific procedures to address the risks identified. These included the following: - agreeing the financial statement disclosures to underlying supporting documentation to assess compliance with provisions of relevant laws and regulations described as having a direct effect on the financial statements; - enquiries of management including those responsible for key regulations; and - performing analytical procedures to identify any unusual or unexpected relationships that may indicate risks of material misstatement due to fraud; - we obtained an understanding of the legal and regulatory requirements applicable to the company and considered that the most significant are the Companies Act 2006, UK financial reporting standards as issued by the Financial Reporting Council, UK taxation legislation and rules and regulations as prescribed by the Financial Conduct Authority. In addressing the risk of management override of controls, we carried out testing of journal entries and other adjustments for appropriateness, assessing whether the judgements made in making accounting estimates are indicative of a potential bias and evaluating the business rationale of significant transactions outside the normal course of business. Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.
A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditors' Report.
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MM WEALTH LTD
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF MM WEALTH LTD (CONTINUED)
This report is made solely to the Company's shareholders, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the Company's shareholders those matters we are required to state to them in an Auditors' Report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's shareholders, as a body, for our audit work, for this report, or for the opinions we have formed.
for and on behalf of
Chartered Accountants
Statutory Auditors
Tennyson House
Cambridge Business Park
CB4 0WZ
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MM WEALTH LTD
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
REGISTERED NUMBER: 01454074
BALANCE SHEET
AS AT 31 DECEMBER 2025
The financial statements were approved and authorised for issue by the board and were signed on its behalf on
The notes on pages 13 to 29 form part of these financial statements.
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MM WEALTH LTD
STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
MM Wealth Ltd is a private company limited by shares incorporated in England and Wales. The registered office is Wellbrook Court, Girton, Cambridge, CB3 0NA.
2.ACCOUNTING POLICIES
The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.
The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires management to exercise judgment in applying the Company's accounting policies (see note 3).
The level of rounding applied is to the nearest £.
This company is a qualifying entity for the purposes of FRS 102, being a member of a group where the parent of that group prepares publicly available consolidated financial statements, including this company, which are intended to give a true and fair view of the assets, liabilities, financial position and profit or loss of the group. The company has therefore taken advantage of exemptions from the following disclosure requirements: - Section 7 'Statement of Cash Flows': Presentation of a statement of cash flow and related notes and disclosures; - Section 11 'Basic Financial Instruments' and Section 12 'Other Financial Instrument Issues': Interest income/expense and net gains/losses for each category of financial instrument; basis of determining fair values; details of collateral, loan defaults or breaches, details of hedges, hedging fair value changes recognised in profit or loss and in other comprehensive income; - Section 33 'Related Party Disclosures': Compensation for key management personnel. The financial statements of the company are consolidated in the financial statements of MM Wealth Group Holdings Ltd. These consolidated financial statements are available from its registered office, Wellbrook Court, Girton, Cambridge, CB3 0NA.
The following principal accounting policies have been applied:
At the time of approving the financial statements, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus the directors continue to adopt the going concern basis of accounting in preparing the financial statements.
A forecast has been prepared and reviewed for the 18 months following the reporting date and this demonstrates adequate headroom available to the Company during the forecasted period. The current environment brought about by the continuation of the Global economy and political environment creates uncertainty however the Company has plans in place to manage the foreseeable challenges and the directors continue to conclude that the adoption of the going concern basis of accounting remains appropriate.
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.ACCOUNTING POLICIES (CONTINUED)
The financial statements represent a 12 month period to 31 December 2025. Therefore the figures are not directly comparable with the 11 month prior period.
Revenue is recognised at the fair value of the consideration received or receivable for services provided in the normal course of business, and is shown net of VAT and other sales related taxes.
Initial Financial planning charges and discretionary management charges are recognised as Revenue at the point when the client’s investment funds have been submitted to the product provider. Ongoing adviser charges are based on the value of assets invested during the period the assets are held in the investment portfolio. Revenue is shown net of VAT and clawbacks. When cash inflows are deferred and represent a financing arrangement, the fair value of the consideration is the present value of the future receipts. The difference between the fair value of the consideration and the nominal amount received is recognised as interest income.
Goodwill represents the difference between amounts paid on the cost of a business combination and the acquirer’s interest in the fair value of its identifiable assets and liabilities of the acquiree at the date of acquisition. Subsequent to initial recognition, goodwill is measured at cost less accumulated amortisation and accumulated impairment losses. Goodwill is amortised on a straight line basis to the Statement of Comprehensive Income over its useful economic life of 10 years.
At each reporting date the company assesses whether there is any indication of impairment. If such indication exists, the recoverable amount of the asset is determined which is the higher of its fair value less costs to sell and its value in use. An impairment loss is recognised where the carrying amount exceeds the recoverable amount. All intangible assets are considered to have a finite useful life. If a reliable estimate of the useful life cannot be made, the useful life shall not exceed ten years.
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.ACCOUNTING POLICIES (CONTINUED)
Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, using the straight-line method.
Depreciation is provided on the following basis:
The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.
Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.
The Company only enters into basic financial instrument transactions that result in the recognition of financial assets and liabilities like trade and other debtors and creditors, loans from banks and other third parties, loans to related parties and investments in ordinary shares.
Financial assets that are measured at cost and amortised cost are assessed at the end of each reporting period for objective evidence of impairment. If objective evidence of impairment is found, an impairment loss is recognised in the Statement of Comprehensive Income Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.ACCOUNTING POLICIES (CONTINUED)
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.ACCOUNTING POLICIES (CONTINUED)
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of revision and future periods where the revision affects both current and future periods. Critical judgements The following judgements (apart from those involving estimates) have had the most significant effects on amounts recognised in the financial statements. Useful economic lives of tangible assets The annual depreciation charges for tangible assets is sensitive to changes in the estimated useful lives and residual values of the assets. The useful lives and residual values are re-assessed annually. Dilapidations Provision is made for dilapidations. These provisions require managements best estimate of the costs that will be incurred on contractual obligations. Accrued income The Company estimates accrued income due to the timings of when adviser charges are received. These estimates are based on a variety of factors including the value of assets invested and pre-determined adviser charges with the product providers.
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
11.TAXATION (CONTINUED)
There are no factors that may affect future tax.
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
Profit and loss account
The Company operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Company in an independently administered fund. The pension cost charge represents contributions payable by the Company to the fund and amounted to £104,922 (2024 - £98,861). Contributions totalling £17,804 (2024 - £16,630) were payable to the fund at the balance sheet date and are included in creditors.
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MM WEALTH LTD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
The Investment Firms Prudential Regime (IFPR) came into effect on the 1 January 2022 as a new regime for UK firms authorised under the Markets in Financial Instruments Directive (MiFID). The IFPR was implemented by the FCA as prudential regulation within the MIFIDPRU section of the FCA Handbook.
As an SNI MIFIDPRU firm under IFPR, the required annual public remuneration code disclosure regarding the company’s remuneration policy and practices under MIFIDPRU 8 can be found on the MM Wealth Limited website www.mmwealth.co.uk/our-governance. The company's ultimate parent is MM Wealth Group Holdings Ltd, a company incorporated in England. The consolidated financial statements are available upon request from MM Wealth Group Holdings Limited, Wellbrook Court, Girton, Cambridge, CB3 0NA.
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