APR Mortgages Ltd

Reference number: 825213

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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.
  • APR Mortgages Ltd (FRN 825213) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use APR Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from APR 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

    01633 530669

  • Address

    69 Bridge Street, Newport, Newport, NP20 4AQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01633 530669 is
  • Who else gives the postcode NP20 4AQ
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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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
10362822
Company status
Active
Company type
Private limited company
Incorporated
7 September 2016 (10 years old)
Registered office
69 Bridge Street, Newport, NP20 4AQ, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Paul Rowe Director May 1968 7 Sep 2016 2 other companies
Janine Rowe Director Aug 1974 1 Oct 2021 None
Janine Rowe Secretary Not published 7 Sep 2016 –

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 September 2025Small company accountsNot audited

Net assets

£105k

+14% from £92.1k

Cash at bank

£82.4k

+61% from £51.2k

Employees (average)

3

Same as 3

Owed within a year

£30.2k

+60% from £18.9k

Net assets

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 10362822. 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

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

Key events (3) All events (6)

2025

7 September 2025

  • Andrew Paul Rowe took control (75–100% of shares)

Companies House

2018

6 November 2018

  • Became an appointed representative

FCA register

2016

7 September 2016

  • Incorporated at Companies House

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms connected to APR Mortgages

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like APR Mortgages

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

In Newport

Bright Financial Affiliates LtdNewportAppointed representativeGeoffrey BoonNewportAppointed representativeISCA Mortgage Solutions LimitedNewportAppointed representativeMortgage Advice Service LtdNewportAppointed representativeMortgage Sure LtdNewportAppointed representativeSafina AhmedNewportAppointed 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 APR 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
  • 7 years of accounts, charted
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is APR Mortgages Ltd FCA authorised?
APR Mortgages Ltd (FRN 825213) 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 APR 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. APR Mortgages Ltd (FRN 825213) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use APR Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from APR 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 APR Mortgages’ phone number?
The FCA register lists the phone number 01633 530669 for APR Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is APR Mortgages a scam or clone?
APR 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 APR Mortgages?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for APR Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns APR Mortgages?
Companies House lists one person with significant control of APR Mortgages: Mr Andrew Paul Rowe (75–100% of shares).
Who runs APR Mortgages?
Companies House lists 2 directors of APR Mortgages: Andrew Paul Rowe and Janine Rowe.
How long has APR Mortgages been in business?
The company was formed on 7 September 2016.
What do APR Mortgages’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £105k (+14% from £92.1k) and cash at bank of £82.4k (+61% from £51.2k).
Does APR Mortgages use any other names?
It trades as Mortgage Advice Bureau.

Sources and links

The full report on APR Mortgages Ltd

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