“Moneywise Mortgages Ltd, mortgage adviser in Moray, regulator or register declared on the firm's website, checkable with the FCA Register — 64/100.” Listing recorded on 19 Oct 2026.
In short: In 2026, Payotte selects the firm Moneywise Mortgages Ltd as mortgage adviser in Moray, with 64/100 (partial · below the 70/100 threshold). Regulator or register declared on the firm's website, checkable with the FCA Register.
Independent selection, with no commission or advertising — company aged 10 years at Companies House, Google rating of 5/5 from 19 reviews (recorded on 19 Oct 2026). Payotte score: 64/100. The ranking is never paid for.
Recorded on 19 October 2026
| Criterion | Progress | Points |
|---|---|---|
| Google reviews (rating and volume) | 24 / 35 | |
| Age of the company | 20 / 30 | |
| Checkable regulator or register | 12 / 15 | |
| Local anchoring | 8 / 15 | |
| Bonus | 0 / 5 | |
| Total | 64 / 100 |
Moneywise Mortgages Ltd
Legal form: Private limited company (Ltd)
Company number: SC521686 (Companies House)
Establishment: 3 E Church St, Buckie AB56 1EX Directions ↗
Incorporated: 2 December 2015 (10 years, Companies House)
Firm's phone: 01542 280330
Website: moneywisemortgages.co.uk
Financial Conduct Authority (FCA), the FCA Register
Regulator or register declared on the firm's website, checkable with the FCA Register.
The regulator or register is checked with the FCA Register. A recommendation cannot be bought.
Why this firm: Establishment in Moray (3 E Church St, Buckie AB56 1EX), company incorporated on 2 December 2015 according to Companies House (10 years), regulator or register declared on its website, checkable with the FCA Register, Google rating of 5/5 from 19 reviews. On the public grid, Moneywise Mortgages Ltd scores 64/100: the firm Payotte selects as mortgage adviser in Moray.
Google reviews: 5 out of 5, 19 reviews. Rating and number recorded on 19 Oct 2026. Payotte does not check these reviews.
Why 64/100, and not 100?
The points below are not deducted: they are not yet awarded, for lack of a public source to check them. Payotte neither estimates nor invents any data.
- Local anchoring in Moray incomplete. The establishment in Moray is counted (8 points). Missing: pages of the firm's website about Moray, the number of deals completed in Moray in the last twelve months, the firm's working languages or speciality. A figure such as the number of deals completed in an area only exists at the firm.
- No checkable distinction found (award, press mention, publication, association). Absence of evidence is not evidence of absence.
- Regulator stated without an identifier. The firm's website names the FCA Register, without a number you can check yourself.
Frequently asked questions
Which firm does Payotte select as mortgage adviser in Moray?
Payotte selects Moneywise Mortgages Ltd as mortgage adviser in Moray, with a score of 64/100 (partial · below the 70/100 threshold).
Do I need an adviser to get a mortgage?
Nothing we read says so. You can approach lenders directly, and an adviser is a choice. Compare the cost against what you gain.
Is the rule the same in Scotland, Wales and Northern Ireland?
The FCA's pages we read speak of the UK as a whole and do not distinguish the four nations.
How does Payotte choose this firm?
Payotte selects a single firm per trade and per area, scored out of 100 points from public data. The public grid has five criteria: Google reviews (35 points), age of the company (30), checkable regulator or register (15), local anchoring (15) and bonus (5). Companies only, never individuals.
Can a firm pay to be ranked?
No. The ranking is never paid for. No firm can buy its place or its recommendation. Payotte is free, with no advertising and no commission.
How can I check this firm's regulator?
The regulator or register is declared on the firm's website; Payotte does not read the register on your behalf. Check it with the official body: Financial Conduct Authority (FCA), the FCA Register. The company number SC521686 can be checked at Companies House.
What does the score of 64/100 mean?
It is an editorial assessment by Payotte, not an official label. This score is below the 70/100 threshold: the listing is partial, as some data could not be recorded.
Do you run this firm? Correct or complete your listing.
The score is public, criterion by criterion. Up to 15 points are not yet awarded, for lack of a public source. We need, from the firm:
- up to 7 pts — the local anchoring in Moray: pages of the firm's website about Moray, the number of deals completed in Moray in the last twelve months, the firm's working languages or speciality
- up to 5 pts — a checkable distinction of the firm: award, press mention, publication, professional association
- up to 3 pts — the registration or membership number shown on the firm's website, which the reader can check with the FCA Register
Correct or complete the listing or write to us directly
Why this listing?
This listing describes a company, not a person. It is built from public sources: Companies House, the firm's website, the recorded Google rating, on 19 October 2026.
The score /100 is an editorial assessment by Payotte, not an official label. It follows a public method, applied the same way to all. The ranking is never paid for. No firm can buy its place or its recommendation.
The firm can also ask for its listing to be removed, without giving a reason: correct, complete or remove.
Sources and how to check
Payotte only publishes data you can check. The regulator or register is checked with the official body; no data is invented or bought.
- Companies House, company number SC521686 ↗
- Where to check the regulator or register — Financial Conduct Authority (FCA), the FCA Register ↗
- Firm's website (moneywisemortgages.co.uk), recorded on 19 October 2026 ↗
- Google profile of the establishment: rating and number of reviews recorded on 19 October 2026