First Time Buyer Mortgages Ltd

Reference number: 1042238

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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.
  • First Time Buyer Mortgages Ltd (FRN 1042238) 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 First Time Buyer 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

    028 9694 4284

  • Verified address

    222 Lisburn Road, Belfast, Northern Ireland, BT9 6GD, 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
NI730959
Company status
Active
Company type
Private limited company
Incorporated
30 June 2025 (1 year old)
Registered office
222 Lisburn Road, Belfast, BT9 6GD, Northern Ireland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Patrick Rice Director Nov 1981 30 Jun 2025

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.

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Common questions

Frequently asked questions

Is First Time Buyer Mortgages Ltd FCA authorised?
First Time Buyer Mortgages Ltd (FRN 1042238) 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 First Time Buyer 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. First Time Buyer Mortgages Ltd (FRN 1042238) 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 First Time Buyer 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 First Time Buyer Mortgages?
Protection works through the principal firm responsible for First Time Buyer Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is First Time Buyer Mortgages a scam or clone?
First Time Buyer 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 First Time Buyer Mortgages's Firm Reference Number (FRN)?
First Time Buyer Mortgages's FRN is 1042238. You can verify it on the FCA register.