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.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 December 2025
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- AIA (Cambridge) Limited (FRN 784773) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use AIA (Cambridge)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from AIA (Cambridge), 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.
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No website on the FCA register
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Phone number
-
Address
44 Chesterton Road, Cambridge, Cambridgeshire, CB4 1EN, United Kingdom
In the full report: 2 background checks
- What kind of line 01480 465032 is
- Who else gives the postcode CB4 1EN
Other names (1)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- AIA (CAMBRIDGE) LTD
- Company number
- 05645586 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 December 2005 (20 years old)
- Registered office
- 44 Chesterton Road, Cambridge, Cambridgeshire, CB4 1EN, England
- Nature of business
-
- Activities of financial services holding companies (SIC 64205)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Anthony Holttum Rule | Director | Mar 1953 | 6 Dec 2005 | 3 other companies |
| Laura Katie Clifton | Director | Sep 1981 | 16 Jan 2015 | 3 other companies |
| Anthony Holttum Rule | Secretary | Not published | 6 Dec 2005 | 3 other companies |
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
- 4
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 4 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
- The one on the FCA register
- The 2 companies these 2 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£244k
−1.5% from £248k
Cash at bank
£102k
−11% from £115k
Employees (average)
21
+11% from 19
Owed within a year
£98.8k
−13% from £114k
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
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 05645586. 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
AIA (Cambridge)’s history from the FCA register and Companies House, newest first.
2022
6 June 2022
- Anthony Holttum Rule became a part-owner (25–50% of shares)
- Anthony Holttum Rule no longer has significant control
- John Jobling stopped being a part-owner
- Sallie Ann Jobling stopped being a part-owner
Companies House
2021
20 September 2021
- Laura Katie Clifton became a part-owner (25–50% of shares)
Companies House
2018
6 December 2018
- John Jobling became a part-owner (25–50% of shares)
- Sallie Ann Jobling became a part-owner (25–50% of shares)
Companies House
2017
21 July 2017
- Became an appointed representative
FCA register
2016
1 December 2016
- Anthony Holttum Rule gained significant control
Companies House
2005
6 December 2005
- Incorporated at Companies House
Companies House
In the full report: all 19 events
- All 19 events in its history (10 shown here)
- Every director appointment and resignation: 8
Firms connected to AIA (Cambridge)
Other FCA-listed firms that share a director, phone number or address with AIA (Cambridge). A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like AIA (Cambridge)
Other firms of the same type (mortgage adviser or broker), nearest first.
In Cambridge
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 AIA (Cambridge)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 19 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk