Apex Mortgage Advice Limited

Reference number: 589093

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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

Julian Harris Financial Consultants Reference number: 153566 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.
  • Apex Mortgage Advice Limited (FRN 589093) is an AR of Julian Harris Financial Consultants (FRN 153566). When you use Apex Mortgage Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Apex Mortgage Advice, 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

    0131 210 0499

  • Address

    Westpoint Office 217, 4 Redheughs Rigg, South Gyle, Edinburgh, EH12 9DQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 0131 210 0499 is
  • Who else gives the postcode EH12 9DQ
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Other names (2)

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

  • Tensor Financial Planning Trading name
  • Apex Mortgage Advice Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Julian Harris Financial Consultants, 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
SC426456
Company status
Active
Company type
Private limited company
Incorporated
19 June 2012 (14 years old)
Registered office
Westpoint Office 217, 4 Redheughs Rigg, Edinburgh, EH12 9DQ, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ali Akbar Shah Director Apr 1981 19 Jun 2012 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£380

−76% from £1,605

Employees (average)

1

Same as 1

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
Instant PDF download
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 SC426456. 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

Apex Mortgage Advice’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2023

26 October 2023

  • Changed its registered name from "Apex Mortgage Advice Ltd"

FCA register

2016

6 April 2016

  • Ali Shah took control (75–100% of shares)

Companies House

2012

3 October 2012

  • Became an appointed representative

FCA register

19 June 2012

  • Incorporated at Companies House

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Apex Mortgage Advice

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Apex Mortgage Advice

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

In Edinburgh

Aven Mortgages limitedEdinburghAppointed representativeBespoke Home Finance LtdEdinburghAppointed representativeBrightermortgagesuk LtdEdinburghAppointed representativeChristopher EvansEdinburghAppointed representativeClear Mortgage Solutions LimitedEdinburghAppointed representativeDaniel McLardyEdinburghAppointed 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 Apex Mortgage Advice

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 7 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Apex Mortgage Advice Limited FCA authorised?
Apex Mortgage Advice Limited (FRN 589093) 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 Apex Mortgage Advice?
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. Apex Mortgage Advice Limited (FRN 589093) is an AR of Julian Harris Financial Consultants (FRN 153566). When you use Apex Mortgage Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Apex Mortgage Advice, 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 Apex Mortgage Advice’s phone number?
The FCA register lists the phone number 0131 210 0499 for Apex Mortgage Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Apex Mortgage Advice a scam or clone?
Apex Mortgage Advice 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 Apex Mortgage Advice?
Protection works through Julian Harris Financial Consultants, the principal firm responsible for Apex Mortgage Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Apex Mortgage Advice?
Companies House lists one person with significant control of Apex Mortgage Advice: Mr Ali Shah (75–100% of shares).
Who runs Apex Mortgage Advice?
Companies House lists one director of Apex Mortgage Advice: Ali Akbar Shah.
How long has Apex Mortgage Advice been in business?
The company was formed on 19 June 2012.
What do Apex Mortgage Advice’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £380 (−76% from £1,605).
Does Apex Mortgage Advice use any other names?
It trades as Tensor Financial Planning. It has previously used the name Apex Mortgage Advice Ltd.

Sources and links

The full report on Apex Mortgage Advice Limited

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