Andreas Mortgages Ltd

Reference number: 1051012

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Marklay Mortgages Ltd Reference number: 930490 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Andreas Mortgages Ltd (FRN 1051012) is an AR of Marklay Mortgages Ltd (FRN 930490). When you use Andreas Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Andreas Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Verified phone number

    07388 820159

  • Verified address

    38 Dickens Avenue, Tilbury, Thurrock, RM18 8HJ, United Kingdom

Company details

From the company's Companies House record.

Company number
16954893
Company status
Active
Company type
Private limited company
Incorporated
11 January 2026 (less than a year old)
Registered office
38 Dickens Avenue, Tilbury, RM18 8HJ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Mbaresa Andrea Director Jan 1998 11 Jan 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Marklay Mortgages Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Andrea Mbaresa

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Common questions

Frequently asked questions

Is Andreas Mortgages Ltd FCA authorised?
Andreas Mortgages Ltd (FRN 1051012) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Andreas Mortgages?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Andreas Mortgages Ltd (FRN 1051012) is an AR of Marklay Mortgages Ltd (FRN 930490). When you use Andreas Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Andreas Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Andreas Mortgages?
Protection works through Marklay Mortgages Ltd, the principal firm responsible for Andreas Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Andreas Mortgages a scam or clone?
Andreas Mortgages is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Andreas Mortgages's Firm Reference Number (FRN)?
Andreas Mortgages's FRN is 1051012. You can verify it on the FCA register.