A.C. Morrison & Richards LLP

Reference number: 834696

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When acmr.co.uk first appeared online, and whether it can receive email
  • What kind of line 01224 573321 is
  • Who else gives the postcode AB11 6XY
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FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (9 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Regulated activities incidental only.
    The firm must not carry on the specified REGULATED ACTIVITIES otherwise than in an incidental manner in the course of the provision by it of professional services (that is, services which do not consist of REGULATED ACTIVITIES)

FCA disciplinary action

Companies House record

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

Company number
SO305309
Company status
Active
Company type
Limited liability partnership
Incorporated
8 April 2015 (11 years old)
Registered office
Matches the FCA register address ✓

Directors and company secretaries

Name Role Born Appointed Other companies
Martin Alan Fraser LLP designated member Nov 1965 8 Apr 2015 1 other company
Fiona Milne LLP designated member Mar 1981 8 Apr 2015 None
David Russell Spence LLP designated member Jan 1961 1 Oct 2021 None

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£575k

−25% from £771k

Cash at bank

£122k

−54% from £263k

Employees (average)

21

Same as 21

Owed within a year

£93.0k

+32% from £70.3k

Net assets

In the full report: all 6 years of accounts

  • Every year from 2020 to 2026
  • 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 SO305309. Figures are exactly as filed; nothing is estimated.

Key dates in its history

A.C. Morrison & Richards’s history from the FCA register and Companies House, newest first.

Key events (10) All events (17)

2021

1 October 2021

  • David Russell Spence became a part-owner (25–50% of shares)

Companies House

30 September 2021

  • Alan Alexander Slessor Wilson no longer holds 25–50% of the votes

Companies House

2020

2 January 2020

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
  • FCA imposed a requirement (Regulated activities incidental only.)
  • Became authorised by the FCA

FCA register

2016

6 April 2016

  • Alan Alexander Slessor Wilson gained 25–50% of the votes
  • Fiona Milne gained 25–50% of the votes
  • Martin Alan Fraser gained 25–50% of the votes

Companies House

2015

8 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (10 shown here)
  • Every director appointment and resignation: 5
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Firms like A.C. Morrison & Richards

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

In Aberdeen

Aberdein Considine LLPAberdeenAuthorisedJohn CarrAberdeenAuthorisedBeacon Finance Brokers LtdAberdeenAppointed representativeBH Financial & Mortgage Solutions LimitedAberdeenAppointed representativeBridge of Don Mortgage & Financial Solutions LtdAberdeenAppointed representativeDanestone Mortgage & Financial Services LtdAberdeenAppointed 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 A.C. Morrison & Richards

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is A.C. Morrison & Richards LLP FCA authorised?
Yes, A.C. Morrison & Richards LLP (FRN 834696) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2020 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.
What is A.C. Morrison & Richards’ phone number and website?
The FCA register lists the phone number 01224 573321 and the website acmr.co.uk for A.C. Morrison & Richards. If you were given different contact details, use these to check with the firm before going any further.
Is A.C. Morrison & Richards a scam or clone?
A.C. Morrison & Richards 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 A.C. Morrison & Richards?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about A.C. Morrison & Richards to the Financial Ombudsman Service, free of charge.
Who owns A.C. Morrison & Richards?
Companies House lists 3 people with significant control of A.C. Morrison & Richards: David Russell Spence (25–50% of votes), Mr Martin Alan Fraser (25–50% of votes) and Miss Fiona Milne (25–50% of votes). Before that, it was controlled by Mr Alan Alexander Slessor Wilson.
Who runs A.C. Morrison & Richards?
Companies House lists 3 directors of A.C. Morrison & Richards: Martin Alan Fraser, Fiona Milne and David Russell Spence.
How long has A.C. Morrison & Richards been in business?
The company was formed on 8 April 2015, and has held its current FCA authorisation since January 2020.
What do A.C. Morrison & Richards’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £575k (−25% from £771k) and cash at bank of £122k (−54% from £263k).

Sources and links

The full report on A.C. Morrison & Richards LLP

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