Lance Mortgages Limited

Reference number: 959169

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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

Your Mortgage People Limited Reference number: 685250 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.
  • Lance Mortgages Limited (FRN 959169) is an AR of Your Mortgage People Limited (FRN 685250). When you use Lance Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lance 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

    07376 390177

  • Verified address

    Fair Trade House, 3 Whittle Avenue, Fareham, Hampshire, PO15 5SH, United Kingdom

Company details

From the company's Companies House record.

Company number
13515245
Company status
Active
Company type
Private limited company
Incorporated
16 July 2021 (5 years old)
Registered office
Fair Trade House, 3 Whittle Avenue, Fareham, PO15 5SH, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Scott James Andrew Harris Director Jul 1979 16 Jul 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 Your Mortgage People Limited, 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.

  • Lance Mortgages Ltd

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Common questions

Frequently asked questions

Is Lance Mortgages Limited FCA authorised?
Lance Mortgages Limited (FRN 959169) 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 Lance 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. Lance Mortgages Limited (FRN 959169) is an AR of Your Mortgage People Limited (FRN 685250). When you use Lance Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lance 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 Lance Mortgages?
Protection works through Your Mortgage People Limited, the principal firm responsible for Lance Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Lance Mortgages a scam or clone?
Lance 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 Lance Mortgages's Firm Reference Number (FRN)?
Lance Mortgages's FRN is 959169. You can verify it on the FCA register.