Thrive Mortgage and Protection Ltd
Reference number: 1029849
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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.
- Thrive Mortgage and Protection Ltd (FRN 1029849) 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 Thrive Mortgage and Protection, 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
Suite E341, E Mill, Dean Clough, Halifax, HX3 5AX, United Kingdom
Company details
From the company's Companies House record.
- Company number
- 16294172
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 March 2025 (1 year old)
- Registered office
- Suite E341 E Mill, Dean Clough, Halifax, HX3 5AX, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Luke Ratcliffe | Director | Mar 1995 | 5 Mar 2025 |
| Coe Byrne | Director | Jun 1992 | 28 Mar 2025 |
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