Mortgage Advice Service Ltd

Reference number: 432411

Instant download

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

ELITE INDEPENDENT MORTGAGES LIMITED Reference number: 301502 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.
  • Mortgage Advice Service Ltd (FRN 432411) is an AR of ELITE INDEPENDENT MORTGAGES LIMITED (FRN 301502). When you use Mortgage Advice Service's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgage Advice Service, 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

    01633 612858

  • Verified address

    28 Newport Road, Risca, Newport, Gwent, NP11 6LW, United Kingdom

Company details

From the company's Companies House record.

Company number
04992573
Company status
Active
Company type
Private limited company
Incorporated
11 December 2003 (22 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Current directors and secretaries

Name Role Born Appointed
Andrew Elias Director Jan 1961 11 Dec 2003
Andrew Elias Secretary Not published 11 Dec 2003

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 ELITE INDEPENDENT MORTGAGES 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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Mortgage Advice Service Ltd FCA authorised?
Mortgage Advice Service Ltd (FRN 432411) 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 Mortgage Advice Service?
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. Mortgage Advice Service Ltd (FRN 432411) is an AR of ELITE INDEPENDENT MORTGAGES LIMITED (FRN 301502). When you use Mortgage Advice Service's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Advice Service, 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 Mortgage Advice Service?
Protection works through ELITE INDEPENDENT MORTGAGES LIMITED, the principal firm responsible for Mortgage Advice Service's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Mortgage Advice Service a scam or clone?
Mortgage Advice Service 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 Mortgage Advice Service's Firm Reference Number (FRN)?
Mortgage Advice Service's FRN is 432411. You can verify it on the FCA register.