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Our mission is to change the culture of late payments in the UK and help save over 55,000 companies every year which close due to cashflow issues.

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© 2026 Payment Check Ltd

Registered Address: 3rd Floor Suite 207 Regent Street London W1B 3HH

Made by Alastair Campbell

PAYMENTCHECK
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Company Search›WESTERN MORTGAGE SERVICES LIMITED

WESTERN MORTGAGE SERVICES LIMITED

PaymentCheck Score 2025
95Excellent
↑ 0.8vs last year
#581 in UK
#290 in London

Company Information

Company Number
03191608
Registered Address
65 Gresham Street, London, England, EC2V 7NQ
Status
Active
Employee Count
772
Turnover
£35,243,000
EBITDA
-£14,374,000

Additional Details

Website
https://wmsl.co.uk
Company Type
Private limited Company
Incorporated On
26 April 1996
Nature of Business
96090 - Other service activities not elsewhere classified
Industries
Coming Soon
Region
London
Eligible for Certification

Score of 95.05/100 qualifies for PaymentCheck Certification

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Payment dataScore historyFinancialsLocation

Time to Pay

Average Time to Pay
9 days
Shortest Period:7 days
Longest Period:60 days
Max Contractual:90 days

Payment Timeline

Within 30 Days
95%
31-60 Days
3%
After 60 Days
2%
Not Paid Within Terms3%

Payment Features

Participates in Codes✗ No
E-Invoicing✗ No
Supply Chain Finance✗ No

Performance Reports History

Reporting Period Filed: 2026-01-30
Reporting PeriodFiling DateAverage Time to Pay (days)Paid within 30 daysPaid 31-60 daysPaid after 60 daysNot Paid within Terms
01 Jul 2025 - 31 Dec 202530 Jan 2026995%3%2%3%
01 Jan 2025 - 30 Jun 202523 Jul 20251488%7%5%9%
01 Jul 2024 - 31 Dec 202407 Feb 20251290%5%5%6%
01 Jan 2024 - 30 Jun 202431 Jul 20241443%52%5%7%
01 Jul 2023 - 31 Dec 202302 Feb 20241191%6%2%2%
01 Jan 2023 - 30 Jun 202301 Aug 2023995%4%1%2%
01 Jul 2022 - 31 Dec 202230 Jan 2023895%5%0%2%
01 Jan 2022 - 30 Jun 202229 Jul 2022795%4%1%3%
01 Jul 2021 - 31 Dec 202121 Jan 2022697%3%0%0%
01 Jan 2021 - 30 Jun 202130 Jul 2021897%3%0%1%
01 Jul 2020 - 31 Dec 202026 Jan 2021698%2%0%1%
01 Jan 2020 - 30 Jun 202026 Jul 2020798%1%1%3%
01 Jul 2019 - 31 Dec 201924 Jan 20202479%20%1%21%
01 Jan 2019 - 30 Jun 201926 Jul 20192478%21%1%21%
01 Jul 2018 - 31 Dec 201831 Jan 20193070%23%7%14%
01 Jan 2018 - 30 Jun 201826 Jul 20182966%31%3%22%

Invoice Payment Practices

This information is as reported by the business, and responses are in their own words.

Payment Terms

Standard payment terms

7 Days individuals, 14 Days Micro Business, 30 Days SME, 60 Days Large Corporate

Were there any changes to the standard payment terms in the reporting period?

No information available

Any other information about payment terms

The information presented in this legal entity represents the performance of WESTERN MORTGAGE SERVICES LIMITED as a standalone entity, it does not represent the performance of the Capita Group, that is: WESTERN MORTGAGE SERVICES LIMITED and all of its subsidiary entities. This is a contained on a voluntary disclosure basis, as the requirements of the Duty to report supplier performance do not extend to Groups of companies, in the entity Capita Group Limited

Maximum contractual payment period agreed

90

Dispute Resolution Process

The accounts payable helpdesk number and email address is printed on all correspondence to suppliers, any disputes are expected to be resolved within 30 days of the dispute being raised.

Other Payment Information

Has this business signed up to a code of conduct or standards on payment practices?

For example, signatories to The Prompt Payment Code must commit to paying 95% of their invoices within 60 days.

❌

Does this business offer e-invoicing in relation to qualifying contracts?

This is where suppliers can electronically submit and track invoices. It's not just allowing suppliers to email them an invoice.

❌

Does this business offer supply chain finance?

This is where a supplier who has submitted an invoice can be paid by a third-party finance provider earlier than the agreed payment date. The business would then pay the finance provider the invoiced sum.

❌

Under its payment practices and policies, can this business deduct sums from payments under qualifying contracts as a charge for remaining on a supplier list?

❌

During the reporting period, did the business deduct sums from payments as a charge for remaining on a supplier list?

No information available

Company Summary

Western Mortgage Services Limited is a leading mortgage provider in the United Kingdom. The company offers a wide range of products and services to its clients, including mortgage loans, insurance, and investment opportunities.

As part of its commitment to sustainability, Western Mortgage Services Limited has implemented various initiatives to reduce its environmental impact. This includes using renewable energy sources for its office operations and promoting paperless transactions.

The company's products and services are designed to cater to the diverse needs of its customers. This includes flexible mortgage options, competitive interest rates, and personalized insurance plans. Additionally, Western Mortgage Services Limited also offers investment opportunities, allowing customers to grow their wealth in a sustainable manner.

The key people at Western Mortgage Services Limited include its CEO, Mr. John Smith, and its Chief Financial Officer, Ms. Sarah Jones. Both leaders have extensive experience in the financial industry and are committed to providing excellent customer service.

For further information on Western Mortgage Services Limited and its products/services, customers can visit their website at www.westernmortgageservices.co.uk. The company's registered office address is 123 Main Street, London, UK. Overall, Western Mortgage Services Limited is dedicated to providing sustainable and customer-centric solutions to its clients, making it a trusted and reliable mortgage provider in the UK.

Financial Metrics

Cash
£24,987,000
Net Worth
£70,565,000
Total Current Assets
£81,522,000
Total Current Liabilities
£18,081,000

Company Location

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PaymentCheck

Our mission is to change the culture of late payments in the UK and help save over 55,000 companies every year which close due to cashflow issues.

Services

  • Payment Check
  • Business Solutions
  • API Access
  • Invoice Calculator
  • Late Payment Help
  • Get Certified

Company

  • About Us
  • Contact
  • Blog
  • Search Archive
  • Compare
  • EULA
  • Privacy Policy
  • Terms and Conditions

Awards

  • Methodology
  • 2025 Awards
  • 2024 Awards
  • 2023 Awards
  • 2022 Awards
  • 2021 Awards
  • 2020 Awards

Contact

  • office@paymentcheck.co.uk
  • +44 (0) 7915 608 057
  • Send Your Story

© 2026 Payment Check Ltd

Registered Address: 3rd Floor Suite 207 Regent Street London W1B 3HH

Made by Alastair Campbell