U C B HOME LOANS CORPORATION LIMITED
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Cash
—
Latest balance sheet
Net assets
£262m
-22.1% lowest in 3 filed years
Employees
0
Average over period
Profit before tax
—
Period ending 2026-03-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-08-15.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £28,900,000 | £27,000,000 | -6.6% | |
| Fee & commission income | — | £100,000 | £0 | -100% | |
| Operating income | — | £29,000,000 | £27,000,000 | -6.9% | |
| Impairment losses | — | -£5,400,000 | -£8,500,000 | -57.4% | |
| Profit before tax | £22,800,000 | £33,300,000 | — | — | |
| Net profit | £17,100,000 | £25,000,000 | £25,900,000 | +3.6% | |
| Loans & advances to customers | — | £584,700,000 | £497,200,000 | -15% | |
| Customer deposits | — | — | — | — | |
| Total assets | £700,700,000 | £591,600,000 | £503,100,000 | -15% | |
| Total liabilities | — | £255,600,000 | £241,200,000 | -5.6% | |
| Equity | £311,000,000 | £336,000,000 | £261,900,000 | -22.1% | |
| Average employees | 0 | 0 | 0 | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Return on capital employed | 5.4% | 8.6% | — | |
| Gearing (liabilities / total assets) | 55.6% | 43.2% | — | |
| Current ratio | 0.18x | 0.27x | — | |
| Interest cover | 0.91x | 1.88x | — |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 3 times since incorporation
- U C B HOME LOANS CORPORATION LIMITED 1986-06-23 → present
- COMMERCIAL CREDIT HOME LOANS CORPORATION LIMITED 1985-11-01 → 1986-06-23
- COMMERCIAL CREDIT PROPERTIES LIMITED 1977-12-31 → 1985-11-01
- FIRST FORTUNE ASSETS LIMITED 1972-07-31 → 1977-12-31
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company is fully funded by its parent undertaking, Nationwide Building Society. The Society has confirmed that it will continue to fund the Company's activities for the foreseeable future. The foreseeable future is considered for this purpose to be a period of not less than 12 months from the date of approval of the financial statements and it is therefore appropriate to continue to adopt the going concern basis in preparing these financial statements.”
Significant events
- “A £100 million (2025: £nil) dividend was paid during the year.”
- “The Company has ceased to offer lending to new customers but provides existing customers access to switcher products.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 77 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NBS COSEC LIMITED | Corporate Secretary | 2019-01-18 | — | — |
| JORDAN, Henry | Director | 2024-08-14 | Apr 1973 | British |
| MATHIESON, Muir | Director | 2024-09-06 | Aug 1974 | British |
| SMYTH, Gavin | Director | 2021-03-24 | Jul 1977 | British |
Show 77 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BANKS, Janice Willmott | Secretary | 1995-06-30 | 1997-11-03 |
| LINDSEY, Jason David | Secretary | 2011-04-01 | 2016-11-30 |
| NOWELL, Stephen Gerrard | Secretary | 1997-11-03 | 2002-01-10 |
| ORME, Victoria Helen | Secretary | 2016-11-30 | 2019-01-18 |
| PAUL, Julyan | Secretary | 2010-02-01 | 2011-04-01 |
| PRITCHARD, Sandra | Secretary | 2002-01-10 | 2007-11-29 |
| SMITHERS, Tonia Lorraine | Secretary | 2007-11-29 | 2008-05-13 |
| TOMSETT, Ann Sara | Secretary | — | 1995-06-30 |
| VINALL, Philip Gary | Secretary | 2008-05-13 | 2010-02-01 |
| ASTILL, Keith Alan | Director | 2005-04-05 | 2007-08-28 |
| BADDELEY CHAPPELL, Andrew David | Director | 2001-04-01 | 2006-08-01 |
| BAKER, Edward Joseph | Director | 1995-09-28 | 1997-07-01 |
| BANDA, Larry | Director | 2009-04-01 | 2010-02-01 |
| BATTISON, Roy | Director | — | 1995-06-30 |
| BEETY, David Ashmore | Director | 1995-06-30 | 1999-03-13 |
| BENNISON, Sara Philippa | Director | 2019-10-15 | 2022-07-04 |
| BERNAU, Stuart David Murray | Director | 2005-04-05 | 2007-08-28 |
| BERNAU, Stuart David Murray | Director | 1995-06-30 | 1999-06-07 |
| BLACKBURN, Kieron Francis | Director | 2006-08-01 | 2007-08-28 |
| BONNET, Pascal-Alain | Director | 1993-12-22 | 1995-06-30 |
| BROWNE, Didier Raoul Willem | Director | 1993-12-22 | 1995-06-30 |
| CARTER, Timothy Joseph | Director | 2019-11-01 | 2019-12-09 |
| CARTER, Timothy Joseph | Director | 2017-12-08 | 2019-11-01 |
| COOK, Martin David, Mr. | Director | 2000-08-15 | 2001-04-01 |
| COOK, Martin David, Mr. | Director | 1998-10-13 | 2000-05-16 |
| CRAIG, Ian Ashley | Director | 2016-09-02 | 2018-10-05 |
| DALES, Alistair Robert Harry | Director | 1995-06-30 | 2003-04-04 |
| DAVY, Jonathan Jasper Haydn | Director | 2019-11-01 | 2019-12-09 |
| DAVY, Jonathan Jasper Haydn | Director | 2018-10-05 | 2019-11-01 |
| DUNN, Julia Mary Roberts | Director | 2016-10-14 | 2020-11-16 |
| EVANS, David Morgan Alun, Ho Financial Management | Director | 2016-04-26 | 2018-05-01 |
| EVANS, David Morgan Alun | Director | 2009-04-01 | 2013-02-01 |
| GIBBARD, Mark James | Director | 2008-04-10 | 2010-12-14 |
| GOSS, Richard James | Director | 2007-08-28 | 2009-04-01 |
| GOSSET, Michel | Director | 1993-12-22 | 1995-06-30 |
| HODGES, Clive | Director | 2010-02-01 | 2011-07-01 |
| HOOPER, Alan Thomas Gardner | Director | — | 1992-10-07 |
| HUGHES, Greame Phillip | Director | 1997-02-04 | 1999-03-12 |
| HUMPHREYS, Michael Weston, Dr | Director | 2001-05-15 | 2008-07-14 |
| JENKINS, Mark Radclyffe | Director | 1997-07-01 | 1998-10-13 |
| JORDAN, Henry | Director | 2019-11-01 | 2019-12-09 |
| JORDAN, Henry | Director | 2019-05-01 | 2019-11-01 |
| JORDAN, Henry | Director | 2011-01-20 | 2016-03-31 |
| LAING, Iain Gordon | Director | 2011-07-01 | 2016-09-16 |
| LAZENBY, Michael John | Director | 1995-06-30 | 1997-02-04 |
| LE GALL, Michel | Director | — | 1992-10-07 |
| MACE, Jean Pierre Rene | Director | — | 1995-06-30 |
| MAILE, Brian Peter | Director | 1992-10-07 | 1994-12-02 |
| MARSDEN, Michael John | Director | 1995-06-30 | 2001-03-16 |
| MATHIESON, Muir | Director | 2019-11-01 | 2019-12-09 |
| MATHIESON, Muir | Director | 2018-05-01 | 2019-11-01 |
| MATSON, Andrew Brian | Director | 2013-11-19 | 2016-03-31 |
| MCQUEEN, Andrew Peter | Director | 2007-08-28 | 2011-08-01 |
| MICHEL, Bernard | Director | 1993-12-22 | 1995-06-30 |
| NAPIER, Richard Stewart | Director | 2011-08-01 | 2016-07-22 |
| PELIN, Michel | Director | 1995-06-30 | 1995-06-30 |
| PELIN, Michel | Director | 1992-10-07 | 1997-03-04 |
| REED, Charles Patterson | Director | 1999-04-01 | 2005-04-05 |
| RENNISON, Mark Martin | Director | 2007-08-28 | 2011-01-20 |
| RHODES, Christopher Stuart | Director | 2009-04-20 | 2024-09-06 |
| ROBSON, Denis William Pierre | Director | — | 1995-06-30 |
| SAYERS, Steven | Director | 1992-10-07 | 1995-06-30 |
| SCHOEDINGER, James Lee | Director | — | 1993-06-30 |
| SINCLAIR, Rachael | Director | 2021-06-02 | 2025-06-13 |
| STOKES, Anthony Charles Romaine | Director | 1993-01-01 | 1995-06-30 |
| TREWEEK, Roger James | Director | 2000-05-16 | 2000-08-11 |
| VENUS, Mark John Hamilton | Director | 1993-12-22 | 1995-06-30 |
| WAHL, Philippe | Director | 1993-12-22 | 1995-06-30 |
| WICKER, Frederick Alan | Director | — | 1995-06-30 |
| WILDING, Anthony Lawrence | Director | 1994-06-24 | 1995-06-30 |
| WILLENS, James Henry | Director | 2002-01-01 | 2005-04-05 |
| WILLIAMS, Jayne, Director Of Product Operations | Director | 2017-03-31 | 2017-12-01 |
| WILLIAMS, Roger Gwyn | Director | 2005-07-01 | 2007-02-28 |
| WILLIAMSON, Philip Frederick | Director | 1999-06-07 | 2001-11-27 |
| WOOTTON, Paul Alexander | Director | 2019-11-01 | 2019-12-09 |
| WOOTTON, Paul Alexander | Director | 2016-03-31 | 2019-11-01 |
| WYLES, Matthew Peter Vincent | Director | 2007-09-01 | 2012-12-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Nationwide Building Society | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 287 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-28 | AA | accounts | Accounts with accounts type full | |
| 2025-10-08 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-08-08 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-17 | AA | accounts | Accounts with accounts type full | |
| 2025-06-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-10 | CH01 | officers | Change person director company with change date | |
| 2024-09-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-18 | AA | accounts | Accounts with accounts type full | |
| 2023-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-25 | AA | accounts | Accounts with accounts type full | |
| 2022-08-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-25 | AA | accounts | Accounts with accounts type full | |
| 2022-07-18 | TM01 | officers | Termination director company with name termination date | |
| 2021-08-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-07-29 | AA | accounts | Accounts with accounts type full | |
| 2021-06-22 | AP01 | officers | Appoint person director company with name date | |
| 2021-04-08 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.