Acorn4Mortgages Ltd

Reference number: 577517

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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 INTELLIGENCE LIMITED Reference number: 305330 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.
  • Acorn4Mortgages Ltd (FRN 577517) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Acorn4Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Acorn4Mortgages, 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.

In the full report: 3 background checks

  • When wwww.acorn4mortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07931 761122 is
  • Who else gives the postcode CH7 4EG
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Other names (1)

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

  • Acorn Independent Mortgages Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Intelligence 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 name
ACORN4MORTGAGES LIMITED
Company number
04270415
Company status
Active
Company type
Private limited company
Incorporated
15 August 2001 (25 years old)
Registered office
The Office Ffordd Pentre Bach, Nercwys, Mold, CH7 4EG, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Keith Barrowclough Director Sep 1968 15 Aug 2001 2 other companies

Other companies run by its director

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
1
still active
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Total equity

£81.4k

<1% from £81.8k

Employees (average)

0

Same as 0

Owed within a year

£12.6k

−9.7% from £14.0k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 04270415. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Acorn4Mortgages’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2016

6 April 2016

  • Ian Keith Barrowclough became a part-owner (25–50% of shares)
  • Terence Davis became a part-owner (25–50% of shares)

Companies House

4 January 2016

  • Changed its registered name from "Acorn Independent Mortgages Limited"

FCA register

2012

19 March 2012

  • Became an appointed representative

FCA register

2001

15 August 2001

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 9
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Firms like Acorn4Mortgages

Other firms of the same type (insurance broker), nearest first.

In Mold

Don Bircham Travel LtdMoldAppointed representative

In the Chester (CH) postcode area

Sykes Cottages LtdChesterAppointed representativeStephen OakesWirralAppointed representativeNautilus InternationalWallaseyAppointed representativeA55 Health & Protection LtdChesterAppointed representativeC&C Insurance Brokers (Chester) LimitedChesterAppointed 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 Acorn4Mortgages

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Acorn4Mortgages Ltd FCA authorised?
Acorn4Mortgages Ltd (FRN 577517) 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 Acorn4Mortgages?
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. Acorn4Mortgages Ltd (FRN 577517) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Acorn4Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Acorn4Mortgages, 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 Acorn4Mortgages’ phone number and website?
The FCA register lists the phone number 07931 761122 and the website wwww.acorn4mortgages.co.uk for Acorn4Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Acorn4Mortgages a scam or clone?
Acorn4Mortgages 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 Acorn4Mortgages?
Protection works through Mortgage Intelligence Limited, the principal firm responsible for Acorn4Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Acorn4Mortgages?
Companies House lists 2 people with significant control of Acorn4Mortgages: Mr Ian Keith Barrowclough (25–50% of shares) and Mr Terence Davis (25–50% of shares).
Who runs Acorn4Mortgages?
Companies House lists one director of Acorn4Mortgages: Ian Keith Barrowclough.
How long has Acorn4Mortgages been in business?
The company was formed on 15 August 2001.
What do Acorn4Mortgages’ latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of £81.4k (<1% from £81.8k).
Does Acorn4Mortgages use any other names?
It has previously used the name Acorn Independent Mortgages Limited.

Sources and links

The full report on Acorn4Mortgages Ltd

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