Breathe Mortgages Ltd

Reference number: 1032011

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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

FEAR Financial Ltd Reference number: 1012718 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.
  • Breathe Mortgages Ltd (FRN 1032011) is an AR of FEAR Financial Ltd (FRN 1012718). When you use Breathe Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Breathe 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

    07534 199520

  • Verified address

    Radley House, Richardshaw Road, Grangefield Industrial Estate, Pudsey, Leeds, LS28 6LE, United Kingdom

Company details

From the company's Companies House record.

Company number
13805719
Company status
Active
Company type
Private limited company
Incorporated
17 December 2021 (4 years old)
Registered office
Radley House, Richardshaw Road, Pudsey, West Yorkshire, LS28 6LE, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Richard John Jubb Director Mar 1989 17 Dec 2021
Richard John Jubb Secretary Not published 17 Dec 2021

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 FEAR Financial 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.

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Common questions

Frequently asked questions

Is Breathe Mortgages Ltd FCA authorised?
Breathe Mortgages Ltd (FRN 1032011) 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 Breathe 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. Breathe Mortgages Ltd (FRN 1032011) is an AR of FEAR Financial Ltd (FRN 1012718). When you use Breathe Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Breathe 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 Breathe Mortgages?
Protection works through FEAR Financial Ltd, the principal firm responsible for Breathe Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Breathe Mortgages a scam or clone?
Breathe 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 Breathe Mortgages's Firm Reference Number (FRN)?
Breathe Mortgages's FRN is 1032011. You can verify it on the FCA register.