Mortgage & Financial Guidance Ltd

Reference number: 425858

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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.
  • Mortgage & Financial Guidance Ltd (FRN 425858) 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 Mortgage & Financial Guidance, 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.

Company details

From the company's Companies House record.

Company name
MORTGAGE & FINANCIAL GUIDANCE LIMITED
Company number
NI067218
Company status
Active
Company type
Private limited company
Incorporated
21 November 2007 (18 years old)
Registered office
City East Business Centre 68-72 Newtownards Road, Belfast, BT4 1GW
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Timothy Ralph Leonard Director Jan 1976 1 Apr 2009

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

  • Mortgage & Financial Guidance

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Common questions

Frequently asked questions

Is Mortgage & Financial Guidance Ltd FCA authorised?
Mortgage & Financial Guidance Ltd (FRN 425858) 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 & Financial Guidance?
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 & Financial Guidance Ltd (FRN 425858) 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 Mortgage & Financial Guidance, 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 & Financial Guidance?
Protection works through the principal firm responsible for Mortgage & Financial Guidance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Mortgage & Financial Guidance a scam or clone?
Mortgage & Financial Guidance 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 & Financial Guidance's Firm Reference Number (FRN)?
Mortgage & Financial Guidance's FRN is 425858. You can verify it on the FCA register.