Essex & Suffolk Mortgages Limited

Reference number: 951102

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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.

The FCA register does not name a principal for this 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.
  • Essex & Suffolk Mortgages Limited (FRN 951102) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Essex & Suffolk 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

    07825 959277

  • Verified address

    80 London Road, Colchester, Essex, CO3 4DG, United Kingdom

Company details

From the company's Companies House record.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
12597077
Company status
Active
Company type
Private limited company
Incorporated
12 May 2020 (6 years old)
Registered office
The Forge, Langham, Colchester, Essex, CO4 5PX, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
Paul Devereux Director Feb 1964 12 May 2020
Deborah Johann Humphrey Director Jun 1970 12 May 2020
John Palmer Director Nov 1965 12 May 2020
Daniel Morgan Director Jun 1983 17 Aug 2023

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 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 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Colchester Mortgages Limited
  • Essex Mortgages Limited

Names it no longer trades under

This firm has retired 2 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Colchester Mortgages
  • Essex Mortgages

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Common questions

Frequently asked questions

Is Essex & Suffolk Mortgages Limited FCA authorised?
Essex & Suffolk Mortgages Limited (FRN 951102) 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 Essex & Suffolk 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. Essex & Suffolk Mortgages Limited (FRN 951102) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Essex & Suffolk 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 Essex & Suffolk Mortgages?
Protection works through the principal firm responsible for Essex & Suffolk Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Essex & Suffolk Mortgages a scam or clone?
Essex & Suffolk 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 Essex & Suffolk Mortgages's Firm Reference Number (FRN)?
Essex & Suffolk Mortgages's FRN is 951102. You can verify it on the FCA register.