Modern Mortgages Ltd

Reference number: 973796

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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.
  • Modern Mortgages Ltd (FRN 973796) 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 Modern 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

    07719 035433

  • Verified address

    10 Jackson Drive, Glasgow, Lanarkshire, G33 6GF, United Kingdom

Company details

From the company's Companies House record.

Company name
MODERN MORTGAGES LIMITED
Company number
SC724994
Company status
Active
Company type
Private limited company
Incorporated
3 March 2022 (4 years old)
Registered office
10 Jackson Drive, Stepps, Glasgow, G33 6GF, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
Alan Duncan Ross Director Jul 1977 3 Mar 2022

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 Modern Mortgages Ltd FCA authorised?
Modern Mortgages Ltd (FRN 973796) 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 Modern 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. Modern Mortgages Ltd (FRN 973796) 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 Modern 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 Modern Mortgages?
Protection works through the principal firm responsible for Modern Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Modern Mortgages a scam or clone?
Modern 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 Modern Mortgages's Firm Reference Number (FRN)?
Modern Mortgages's FRN is 973796. You can verify it on the FCA register.