Accordia Mortgage and Protection Services Limited

Reference number: 972917

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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

Mortgage Advice Bureau Limited Reference number: 455545 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.
  • Accordia Mortgage and Protection Services Limited (FRN 972917) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Accordia Mortgage and Protection Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Accordia Mortgage and Protection 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

    01276 489482

  • Address

    55 Lime Avenue, Camberley, Surrey, GU15 2BH, United Kingdom

In the full report: 2 background checks

  • What kind of line 01276 489482 is
  • Who else gives the postcode GU15 2BH
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Other names (1)

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

  • Mortgage Advice Bureau Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau 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
13006476
Company status
Active
Company type
Private limited company
Incorporated
9 November 2020 (5 years old)
Registered office
55 Lime Avenue, Camberley, GU15 2BH, United Kingdom
Nature of business
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Reynold Smith Director Dec 1964 9 Nov 2020 2 other companies
Cheryl Audrey Smith Director Nov 1965 31 Mar 2025 None

Other companies run by these 2 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 companies
2
closed down
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£468

Up £1,948 from −£1,480

Cash at bank

£2,407

Up £2,169 from £238

Employees (average)

2

Same as 2

Owed within a year

£10.5k

+511% from £1,718

Net assets

In the full report: all 5 years of accounts

  • Every year from 2021 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 13006476. Figures are exactly as filed; nothing is estimated.

Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2022

27 March 2022

  • Became an appointed representative

FCA register

2020

9 November 2020

  • Incorporated at Companies House
  • Cheryl Audrey Smith became a part-owner (25–50% of shares)
  • Christopher Reynold Smith became the majority owner (50–75% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Similar firms

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

In Camberley

Asset Harbour Mortgages & Protection LtdCamberleyAppointed representativeEjetset Financial Services LimitedCamberleyAppointed representativeGlen StevensCamberleyAppointed representativeHamro Mortgages LtdCamberleyAppointed representativeLRG Financial Services LimitedCamberleyAppointed representativeRobert Dibb LtdCamberleyAppointed 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 this firm

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Accordia Mortgage and Protection Services Limited FCA authorised?
Accordia Mortgage and Protection Services Limited (FRN 972917) 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 Accordia Mortgage and Protection 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. Accordia Mortgage and Protection Services Limited (FRN 972917) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Accordia Mortgage and Protection Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Accordia Mortgage and Protection 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 Accordia Mortgage and Protection Services’ phone number?
The FCA register lists the phone number 01276 489482 for Accordia Mortgage and Protection Services. If you were given different contact details, use these to check with the firm before going any further.
Is Accordia Mortgage and Protection Services a scam or clone?
Accordia Mortgage and Protection 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 Accordia Mortgage and Protection Services?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Accordia Mortgage and Protection Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Accordia Mortgage and Protection Services?
Companies House lists 2 people with significant control of Accordia Mortgage and Protection Services: Mr Christopher Reynold Smith (50–75% of shares) and Mrs Cheryl Audrey Smith (25–50% of shares).
Who runs Accordia Mortgage and Protection Services?
Companies House lists 2 directors of Accordia Mortgage and Protection Services: Christopher Reynold Smith and Cheryl Audrey Smith.
How long has Accordia Mortgage and Protection Services been in business?
The company was formed on 9 November 2020.
What do Accordia Mortgage and Protection Services’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £468 (up £1,948 from −£1,480) and cash at bank of £2,407 (up £2,169 from £238).
Does Accordia Mortgage and Protection Services use any other names?
It trades as Mortgage Advice Bureau.

Sources and links

The full report on Accordia Mortgage and Protection Services Limited

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