ALC Mortgages Limited

Reference number: 1033594

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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

First Complete Limited Reference number: 435779 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.
  • ALC Mortgages Limited (FRN 1033594) is an AR of First Complete Limited (FRN 435779). When you use ALC Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ALC Mortgages, 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

    07929 442068

  • Address

    12 Roland Avenue, Llanelli, Carmarthenshire, SA15 3HU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07929 442068 is
  • Who else gives the postcode SA15 3HU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
16194331
Company status
Active
Company type
Private limited company
Incorporated
20 January 2025 (1 year old)
Registered office
12 Roland Avenue, Llanelli, SA15 3HU, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Adil Latif Choudry Director Oct 1992 20 Jan 2025 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
still active
2

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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Total equity

£5,881

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£2,775

No earlier figure to compare

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 16194331. 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

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

Key events (3) All events (6)

2025

19 June 2025

  • Became an appointed representative

FCA register

20 January 2025

  • Incorporated at Companies House
  • Adil Latif Choudry took control (75–100% of shares)

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 3
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Firms like ALC Mortgages

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

In Llanelli

Mark Lloyd Mortgages LtdLlanelliAppointed representativeSasha Grant Financial Services LtdLlanelliAppointed representativeTina Lloyd Financial Services LimitedLlanelliAppointed representativeWayne Morgan Financial Services LtdLlanelliAppointed representativeCeltic UPVC LtdLlanelliAppointed representativeJust Financial Services (Wales) LtdLlanelliAuthorised

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 ALC Mortgages

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
  • All 6 events in its history

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Frequently asked questions about this firm

Is ALC Mortgages Limited FCA authorised?
ALC Mortgages Limited (FRN 1033594) 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 ALC Mortgages?
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. ALC Mortgages Limited (FRN 1033594) is an AR of First Complete Limited (FRN 435779). When you use ALC Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from ALC Mortgages, 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 ALC Mortgages’ phone number?
The FCA register lists the phone number 07929 442068 for ALC Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is ALC Mortgages a scam or clone?
ALC Mortgages 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 ALC Mortgages?
Protection works through First Complete Limited, the principal firm responsible for ALC Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns ALC Mortgages?
Companies House lists one person with significant control of ALC Mortgages: Mr Adil Latif Choudry (75–100% of shares).
Who runs ALC Mortgages?
Companies House lists one director of ALC Mortgages: Adil Latif Choudry.
How long has ALC Mortgages been in business?
The company was formed on 20 January 2025.
What do ALC Mortgages’ latest accounts show?
Its latest accounts, to 31 January 2026, show total equity of £5,881 (no earlier figure to compare).

Sources and links

The full report on ALC Mortgages Limited

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