Town & Country Mortgage Services Ltd

Reference number: 451435

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.

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.
  • Town & Country Mortgage Services Ltd (FRN 451435) 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 Town & Country Mortgage Services, 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

    01582 421320

  • Verified address

    Suite B4, 210 The Village, Great Marlings, Butterfield, Luton, Beds, LU2 8DL, United Kingdom

Also trades as
  • Kent Mortgage Centre

Company details

From the company's Companies House record.

Company name
TOWN AND COUNTRY MORTGAGE SERVICES LIMITED
Company number
04486778
Company status
Active
Company type
Private limited company
Incorporated
16 July 2002 (24 years old)
Registered office
260 - 270 Butterfield, Great Marlings, Luton, Bedfordshire, LU2 8DL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Gary Neil Cottier-Whitehead Director Aug 1974 6 Apr 2005
Andrea Lindsay Cottier-Whitehead Director Sep 1975 2 Nov 2011

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.

  • Town & Country Mortgages

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 Town & Country Mortgage Services Ltd FCA authorised?
Town & Country Mortgage Services Ltd (FRN 451435) 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 Town & Country Mortgage Services?
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. Town & Country Mortgage Services Ltd (FRN 451435) 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 Town & Country Mortgage Services, 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 Town & Country Mortgage Services?
Protection works through the principal firm responsible for Town & Country Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Town & Country Mortgage Services a scam or clone?
Town & Country Mortgage Services 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 Town & Country Mortgage Services's Firm Reference Number (FRN)?
Town & Country Mortgage Services's FRN is 451435. You can verify it on the FCA register.