Mortgage Advice Firm Ltd

Mortgage Advice Firm Ltd
Contents Page
For the year ended 30 April 2026

Accountants' Report	1
Statement of Financial Position	2
Notes to the Financial Statements	3

Mortgage Advice Firm Ltd Accountants' Report For the year ended 30 April 2026
Chartered Accountants' report to the board of directors on the preparation of the unaudited statutory accounts of Mortgage Advice Firm Ltd for the year ended 30 April 2026. In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Mortgage Advice Firm Ltd for the year ended 30 April 2026 which comprise of the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the company’s accounting records and from information and explanations you have given us. As a practising member firm of the Institute of Chartered Accountants in England and Wales, we are subject to its ethical and other professional requirements which are detailed at www.icaew.com/en/members/regulations-standards-and-guidance. This report is made solely to the Board of Directors of Mortgage Advice Firm Ltd , as a body, in accordance with the terms of our engagement letter dated 24 August 2026. Our work has been undertaken solely to prepare for your approval the accounts of Mortgage Advice Firm Ltd and state those matters that we have agreed to state to the Board of Directors of Mortgage Advice Firm Ltd , as a body, in this report in accordance with ICAEW Technical Release 07/16 AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Mortgage Advice Firm Ltd and its Board of Directors as a body for our work or for this report. It is your duty to ensure that Mortgage Advice Firm Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of Mortgage Advice Firm Ltd . You consider that Mortgage Advice Firm Ltd is exempt from the statutory audit requirement for the year. We have not been instructed to carry out an audit or a review of the accounts of Mortgage Advice Firm Ltd . For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts 30 April 2026. .................................................... Kendall Accountancy Services Limited 2 Exeter Street Cottingham Hull East Yorkshire HU16 4LU 24 August 2026 1

Mortgage Advice Firm Ltd
Accountants' Report
For the year ended 30 April 2026

Chartered Accountants' report to the board of directors on the preparation of the unaudited statutory accounts of Mortgage Advice Firm Ltd for the year ended 30 April 2026.

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Mortgage Advice Firm Ltd for the year ended 30 April 2026 which comprise of the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the company’s accounting records and from information and explanations you have given us.

As a practising member firm of the Institute of Chartered Accountants in England and Wales, we are subject to its ethical and other professional requirements which are detailed at www.icaew.com/en/members/regulations-standards-and-guidance.
This report is made solely to the Board of Directors of Mortgage Advice Firm Ltd , as a body, in accordance with the terms of our engagement letter dated 24 August 2026. Our work has been undertaken solely to prepare for your approval the accounts of Mortgage Advice Firm Ltd and state those matters that we have agreed to state to the Board of Directors of Mortgage Advice Firm Ltd , as a body, in this report in accordance with ICAEW Technical Release 07/16 AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Mortgage Advice Firm Ltd and its Board of Directors as a body for our work or for this report.
It is your duty to ensure that Mortgage Advice Firm Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of Mortgage Advice Firm Ltd . You consider that Mortgage Advice Firm Ltd is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or a review of the accounts of Mortgage Advice Firm Ltd . For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts

30 April 2026.

....................................................
Kendall Accountancy Services Limited
2 Exeter Street
Cottingham
Hull
East Yorkshire
HU16 4LU
24 August 2026

1

Mortgage Advice Firm Ltd
Statement of Financial Position
As at 30 April 2026

	Notes	2026 £	2025 £
Fixed assets
Intangible fixed assets	3	3,801	5,701
Tangible fixed assets	4	-	265
		3,801	5,966
Current assets
Cash at bank and in hand		2,501	3,241
Creditors: amount falling due within one year		(6,824)	(5,391)
Net current assets		(4,323)	(2,150)

Total assets less current liabilities		(522)	3,816
Provisions for liabilities		(51)	(51)
Net assets		(573)	3,765

Capital and reserves
Called up share capital	5	1	1
Profit and loss account		(574)	3,764
Shareholders' funds		(573)	3,765

For the year ended 30 April 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Director's responsibilities:

The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476.
The director acknowledges their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts.

These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

The members have agreed to the preparation of abridged accounts for this accounting period in accordance with section 444(2A).

The financial statements were approved by the director on 24 August 2026 and were signed by:

-------------------------------
Martin Lawson
Director

2

Mortgage Advice Firm Ltd
Notes to the Abridged Financial Statements
For the year ended 30 April 2026

General Information

Mortgage Advice Firm Ltd is a private company, limited by shares, registered in , registration number 13333222, registration address 8 Priory Close, Swanland, HU14 3QS.

The presentation currency is £ sterling.

1.

Accounting policies

Significant accounting policies

Statement of compliance

These financial statements have been prepared in compliance with FRS 102 – The Financial Reporting Standard applicable in the UK and Republic of Ireland and the Companies Act 2006.

Basis of preparation

The financial statements have been prepared under the historical cost convention as modified by the revaluation of land and buildings and certain financial instruments measured at fair value in accordance with the accounting policies.

The financial statements are prepared in sterling which is the functional currency of the company.

Turnover

Turnover comprises the invoiced value of goods and services supplied by the company, net of Value Added Tax and trade discounts.

Taxation

Taxation represents the sum of tax currently payable and deferred tax. Tax is recognised in the statement of income, except to the extent that it relates to items recognised in other comprehensive income or directly in capital and reserves.
The company’s liability for current tax is calculated using the tax rates and laws that have been enacted or substantively enacted at the reporting date.
Current and deferred tax assets and liabilities are not discounted

Deferred taxation

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the reporting date.
Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the reporting date 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.
Current and deferred tax assets and liabilities are not discounted.

Intangible assets

Intangible assets (including purchased goodwill and patents) are amortised at rates calculated to write off the assets on a straight line basis over their estimated useful economic lives. Impairment of intangible assets is only reviewed where circumstances indicate that the carrying value of an asset may not be fully recoverable.

Goodwill
Acquired goodwill is stated at cost less amortisation. Amortisation is calculated on a straight line basis over the estimated expected useful economic life of the goodwill of years.

Tangible fixed assets

Tangible fixed assets, other than freehold land, are stated at cost or valuation less depreciation and any provision for impairment. Depreciation is provided at rates calculated to write off the cost or valuation of fixed assets, less their estimated residual value, over their expected useful lives on the following basis:

Computer Equipment

33% Reducing Balance

Provisions

Provisions are recognised when the company has a present obligation as a result of a past event which it is more probable than not will result in an outflow of economic benefits that can be reasonably estimated.

2.	Average number of employees Average number of employees during the year was 1 (2025 : 1).

3.

Intangible fixed assets

Cost	Goodwill	Total
	£	£
At 01 May 2025	9,500	9,500
Additions	-	-
Disposals	-	-
At 30 April 2026	9,500	9,500
Amortisation
At 01 May 2025	3,799	3,799
Charge for year	1,900	1,900
On disposals	-	-
At 30 April 2026	5,699	5,699
Net book values
At 30 April 2026	3,801	3,801
At 30 April 2025	5,701	5,701

4.

Tangible fixed assets

Cost or valuation	Computer Equipment	Total
	£	£
At 01 May 2025	962	962
Additions	-	-
Disposals	-	-
At 30 April 2026	962	962
Depreciation
At 01 May 2025	697	697
Charge for year	265	265
On disposals	-	-
At 30 April 2026	962	962
Net book values
Closing balance as at 30 April 2026	-	-
Opening balance as at 01 May 2025	265	265

5.

Share Capital

Allotted, called up and fully paid	2026 £		2025 £
1 Class A share of £1.00 each	1		1
	1		1

3


Registered Number: 13333222

MORTGAGE ADVICE FIRM LTD

Abridged Accounts

Period of accounts Start date: 01 May 2025 End date: 30 April 2026