A C Mortgage and Protection

Reference number: 502970

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Appointed representative

A C Mortgage and Protection does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Sesame Limited Reference number: 150427 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.
  • A C Mortgage and Protection (FRN 502970) is an AR of Sesame Limited (FRN 150427). When you use A C Mortgage and Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from A C 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.

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

    01698 285612

  • Address

    42-46 Cadzow Street, Hamilton, South Lanarkshire, ML3 6DS, United Kingdom

In the full report: 2 background checks

  • What kind of line 01698 285612 is
  • Who else gives the postcode ML3 6DS
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Other names (3)

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

  • Upload Abode Financial Services? Trading name
  • A.C. Financial Exchange Former name
  • A C Mortgage and Financial Exchange Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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.

Key dates in its history

A C Mortgage and Protection’s history from the FCA register and Companies House, newest first.

2025

12 May 2025

  • Changed its registered name from "A C Mortgage and Financial Exchange"

FCA register

2020

24 June 2020

  • Began trading as "Upload Abode Financial Services?"

FCA register

2018

12 January 2018

  • Changed its registered name from "A.C. Financial Exchange"

FCA register

2009

29 June 2009

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to A C Mortgage and Protection

Other FCA-listed firms that share a director, phone number or address with A C Mortgage and Protection. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like A C Mortgage and Protection

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

In Hamilton

3 Sigma Financial Solutions LtdHamiltonAppointed representativeEvery Mortgage Matters LtdHamiltonAppointed representativeKenneth KellyHamiltonAppointed representativeMark DuguidHamiltonAppointed representativeRose Financial LimitedHamiltonAppointed representativeThe Mortgage Geek LtdHamiltonAppointed 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 Mortgage and Protection

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

  • 2 background checks on its contact details
  • All 4 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is A C Mortgage and Protection FCA authorised?
A C Mortgage and Protection (FRN 502970) 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 A C Mortgage and Protection?
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. A C Mortgage and Protection (FRN 502970) is an AR of Sesame Limited (FRN 150427). When you use A C Mortgage and Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from A C 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.
What is A C Mortgage and Protection’s phone number?
The FCA register lists the phone number 01698 285612 for A C Mortgage and Protection. If you were given different contact details, use these to check with the firm before going any further.
Is A C Mortgage and Protection a scam or clone?
A C Mortgage and Protection 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 Mortgage and Protection?
Protection works through Sesame Limited, the principal firm responsible for A C Mortgage and Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does A C Mortgage and Protection use any other names?
It trades as Upload Abode Financial Services?. It has previously used 2 other names: A.C. Financial Exchange and A C Mortgage and Financial Exchange.

Sources and links

The full report on A C Mortgage and Protection

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