3 Counties Mortgage Services Limited

Reference number: 476098

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

The Right Mortgage Limited Reference number: 649443 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.
  • 3 Counties Mortgage Services Limited (FRN 476098) is an AR of The Right Mortgage Limited (FRN 649443). When you use 3 Counties Mortgage Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from 3 Counties 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.

Website, phone number and address

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

  • Phone number

    0800 024 6180

  • Address

    3 Byrton Drive, Ellistown, Coalville, Leicestershire, LE67 1HF, United Kingdom

In the full report: 2 background checks

  • What kind of line 0800 024 6180 is
  • Who else gives the postcode LE67 1HF
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Just Secured Trading name
  • Lending for Later Life Trading name
  • Mortgages Arranged Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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 Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04634675
Company status
Active
Company type
Private limited company
Incorporated
13 January 2003 (23 years old)
Registered office
260 - 270 Butterfield Great Marlings, Luton, Bedfordshire, LU2 8DL, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Ellis Director May 1967 19 Feb 2003 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£4,594

Up £6,779 from −£2,185

Cash at bank

£10.9k

+220% from £3,403

Employees (average)

3

Same as 3

Owed within a year

£13.1k

+12% from £11.7k

Net assets

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 04634675. Figures are exactly as filed; nothing is estimated.

Key dates in its history

3 Counties Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (3) All events (11)

2016

6 April 2016

  • Steven Ellis took control (75–100% of shares)

Companies House

2007

3 December 2007

  • Became an appointed representative

FCA register

2003

13 January 2003

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (3 shown here)
  • Every director appointment and resignation: 5
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Firms like 3 Counties Mortgage Services

Other firms of the same type (mortgage adviser or broker), nearest first.

In Coalville

Home Wise MortgagesCoalvilleAppointed representativeKad Mortgages LimitedCoalvilleAppointed representativeMortgage Advice Experts Ltd.CoalvilleAppointed representativePriory House Mortgages LtdCoalvilleAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on 3 Counties Mortgage Services

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is 3 Counties Mortgage Services Limited FCA authorised?
3 Counties Mortgage Services Limited (FRN 476098) 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 3 Counties 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. 3 Counties Mortgage Services Limited (FRN 476098) is an AR of The Right Mortgage Limited (FRN 649443). When you use 3 Counties Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from 3 Counties 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.
What is 3 Counties Mortgage Services’ phone number?
The FCA register lists the phone number 0800 024 6180 for 3 Counties Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is 3 Counties Mortgage Services a scam or clone?
3 Counties Mortgage Services is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with 3 Counties Mortgage Services?
Protection works through The Right Mortgage Limited, the principal firm responsible for 3 Counties Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns 3 Counties Mortgage Services?
Companies House lists one person with significant control of 3 Counties Mortgage Services: Mr Steven Ellis (75–100% of shares).
Who runs 3 Counties Mortgage Services?
Companies House lists one director of 3 Counties Mortgage Services: Steven Ellis.
How long has 3 Counties Mortgage Services been in business?
The company was formed on 13 January 2003.
What do 3 Counties Mortgage Services’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £4,594 (up £6,779 from −£2,185) and cash at bank of £10.9k (+220% from £3,403).
Does 3 Counties Mortgage Services use any other names?
It trades as Just Secured, Lending for Later Life and Mortgages Arranged.

Sources and links

The full report on 3 Counties Mortgage Services Limited

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