Southern Mortgages (Essex) Ltd

Reference number: 771195

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

TMG Direct Limited Reference number: 786245 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.
  • Southern Mortgages (Essex) Ltd (FRN 771195) is an AR of TMG Direct Limited (FRN 786245). When you use Southern Mortgages (Essex)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Southern Mortgages (Essex), 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.

Also trades as
  • Southern Mortgages

Company details

From the company's Companies House record.

Company number
06681279
Company status
Active
Company type
Private limited company
Incorporated
26 August 2008 (17 years old)
Registered office
The Old Gasworks, 43, Progress Road, Leigh-On-Sea, SS9 5PR, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Suzan Patricia Briscoe Director Apr 1963 13 Nov 2018

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 TMG Direct 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.

  • James Courtenay Limited

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • J C Financial Solutions

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 Southern Mortgages (Essex) Ltd FCA authorised?
Southern Mortgages (Essex) Ltd (FRN 771195) 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 Southern Mortgages (Essex)?
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. Southern Mortgages (Essex) Ltd (FRN 771195) is an AR of TMG Direct Limited (FRN 786245). When you use Southern Mortgages (Essex)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Southern Mortgages (Essex), 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 Southern Mortgages (Essex)?
Protection works through TMG Direct Limited, the principal firm responsible for Southern Mortgages (Essex)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Southern Mortgages (Essex) a scam or clone?
Southern Mortgages (Essex) 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 Southern Mortgages (Essex)'s Firm Reference Number (FRN)?
Southern Mortgages (Essex)'s FRN is 771195. You can verify it on the FCA register.