Filing status
- Accounts due
- 31 May 2027
- Last accounts
- 31 August 2025
- Conf. stmt due
- 5 June 2027
- Last conf. stmt
- 22 May 2026
Smarter Mortgage Solutions Limited
- Incorporated
- 13 August 2008 (18 years)
- Industry
- Activities of mortgage finance companies (64922)
- Directors
- Vicki Hazel LockleyChristopher John George Lockley
- Owned by
- Vicki Hazel LockleyChristopher John George Lockley
- Accounts type
- Micro entity
- Region
- East of England
- Address
- Affinia Swift HouseGround Floor18 Hoffmanns WayChelmsfordCM1 1GU
Officers 2 active
Officer details are public data from the Companies House register.
Lockley, Vicki Hazel
Director · Appointed 30 May 2024
British
Born July 1982 (44)
Lockley, Christopher John George
Director · Appointed 19 August 2008
British
Born March 1981 (45)
Officer history (2 former)
30 May 2024
Appointed Lockley, Vicki Hazel as Director
19 January 2013
19 August 2008
Appointed Lockley, Christopher John George as Director
19 August 2008
13 August 2008
Appointed Form 10 Directors Fd Ltd as Corporate Director
13 August 2008
Resigned Form 10 Directors Fd Ltd as Corporate Director
Ownership 2 active
People and entities with significant control, from the Companies House PSC register
Vicki Hazel Lockley
Individual · Notified 30 May 2024
Owns 25–50% of shares
British
Born July 1982 (44)
Christopher John George Lockley
Individual · Notified 12 August 2016
Owns 25–50% of shares
Holds 75–100% of voting rights
Right to appoint and remove directors
British
Born March 1981 (45)
Former controllers (1)
31 May 2024
Ceased Christopher John George Lockley — Has significant influence or control
Financials
Balance sheet as at 31 August 2025 · micro entity accounts
Trend
Net Assets
No net assets figure read from accounts after 2023.
Balance sheet detail
| 2025 | 2023 | 2022 | 2021 | 2019 | |
|---|---|---|---|---|---|
| Fixed Assets | £17,024 | £21,280 | £26,600 | £29,556 | |
| Current Assets | £104,503 | £98,063 | £137,522 | £33,222 | |
| Cash | £104,503 | £98,063 | £137,522 | £33,222 | |
| Creditors (< 1 year) | £83,637 | £75,077 | £110,551 | £50,677 | |
| Creditors (> 1 year) | £37,615 | £44,240 | £50,000 | ||
| Net Current Assets | £20,866 | £22,986 | £26,971 | (£17,455) | |
| Net Assets | £275 | £26 | £3,571 | £12,101 | |
| Shareholder Funds | £275 | £26 | £3,571 | £12,101 |
Filings
Recent filings only. See the full history on Companies House
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 29 October 2026 | Registered office address changed | |||
| 31 July 2026 | Change of details for a person with significant control | |||
| 29 July 2026 | Change of details for a person with significant control | |||
| 29 July 2026 | Director's details changed | |||
| 29 July 2026 | Director's details changed |
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