Mortgage Steps Ltd
Reference number: 414129
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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 Steps Ltd (FRN 414129) 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 Steps, 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.
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No website on the FCA register
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Verified phone number
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Verified address
50 Mersea Avenue, West Mersea, Colchester, Essex, CO5 8JL, United Kingdom
Company details
From the company's Companies House record.
- Company name
- MORTGAGE STEPS LIMITED
- Company number
- 05124976
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 May 2004 (22 years old)
- Registered office
- 50 Mersea Avenue, West Mersea, Colchester, CO5 8JL, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Karen Lynn Minter | Director | Dec 1955 | 11 May 2004 |
| Michael Spencer Minter | Director | Oct 1954 | 11 May 2004 |
| Karen Lynn Minter | Secretary | Not published | 11 May 2004 |
Activities and protection
What they can do, and how you are protected
- Protection through the principal firmProtection 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