Fair Mortgages Limited

	Page
Balance Sheet	1—2
Notes to the Financial Statements	3—4

Registered number: 09308386

		2026		2025
	Notes	£	£	£	£
FIXED ASSETS

CURRENT ASSETS
Cash at bank and in hand		11,364		9,591

		11,364		9,591
Creditors: Amounts Falling Due Within One Year	5	(165 )		(149 )

NET CURRENT ASSETS (LIABILITIES)			11,199		9,442

TOTAL ASSETS LESS CURRENT LIABILITIES			11,199		9,442

Creditors: Amounts Falling Due After More Than One Year	6		(244,094 )		(240,104 )

NET LIABILITIES			(232,895 )		(230,662 )

CAPITAL AND RESERVES
Called up share capital	7		1,000		1,000
Share premium account			37,375		37,375
Profit and Loss Account			(271,270 )		(269,037 )

SHAREHOLDERS' FUNDS			(232,895)		(230,662)

Page 1

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Fair Mortgages Limited

Balance Sheet (continued)

As At 30 April 2026

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

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Act 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 company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.

On behalf of the board

Mr James Caldwell

Director

06/10/2026

The notes on pages 3 to 4 form part of these financial statements.

1. General Information

Fair Mortgages Limited is a private company, limited by shares, incorporated in England & Wales, registered number 09308386 . The registered office is Kings House, 14 Orchard Street, Bristol, BS1 5EH.

2. Accounting Policies

2.1. Basis of Preparation of Financial Statements

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

2.2. Tangible Fixed Assets and Depreciation

Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Plant & Machinery	15% reducing balance
Computer Equipment	25% reducing balance

3. Average Number of Employees

Average number of employees, including directors, during the year was: NIL (2025: NIL)

4. Tangible Assets

	Plant & Machinery	Computer Equipment	Total
	£	£	£
Cost
As at 1 May 2025	1,116	5,545	6,661

As at 30 April 2026	1,116	5,545	6,661

Depreciation
As at 1 May 2025	1,116	5,545	6,661

As at 30 April 2026	1,116	5,545	6,661

Net Book Value
As at 30 April 2026	-	-	-

As at 1 May 2025	-	-	-

5. Creditors: Amounts Falling Due Within One Year

	2026	2025
	£	£
Trade creditors	165	149

6. Creditors: Amounts Falling Due After More Than One Year

	2026	2025
	£	£
Other creditors	244,094	240,104

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Fair Mortgages Limited

Notes to the Financial Statements (continued)

For The Year Ended 30 April 2026

7. Share Capital

	2026	2025
	£	£
Allotted, Called up and fully paid	1,000	1,000

8. Related Party Transactions

Clifton Private Finance Limited

The directors control Clifton Private Finance Limited. At the balance sheet date, the company owed Clifton Private Finance Limited £121,501 (2025: £117,510).

Fair Investment Company Limited

The directors control Fair Investment Company Limited. At the balance sheet date, the company owed Fair Investment Company Limited £122,594 (2025: £122,594).

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