Armchair Mortgages Limited

Reference number: 612752

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 armchair-mortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01543 477501 is
  • Who else gives the postcode WS11 7YU
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04176510
Company status
Active
Company type
Private limited company
Incorporated
9 March 2001 (25 years old)
Registered office
32 Trentham Close, Heath Hayes, Cannock, Staffordshire, WS11 7YU, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Mark Ferguson Director Sep 1963 30 Sep 2020 6 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
6
closed down
2
went insolvent
1

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • The one that went into liquidation or administration
  • The one on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2020Small company accountsNot audited

Total equity

£40.1k

No earlier figure to compare

Cash at bank

£67.0k

No earlier figure to compare

Owed within a year

£27.0k

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 04176510. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (9) All events (17)

2020

30 September 2020

  • Board replaced: its only director left and a new director took over
  • Brian Matthew Rossiter no longer has significant control
  • Ian Mark Ferguson became the majority owner (50–75% of shares)
  • Jacqueline Ferguson became a part-owner (25–50% of shares)

Companies House

2017

6 April 2017

  • Brian Matthew Rossiter gained significant control

Companies House

2014

1 April 2014

  • Regulated by the FCA from this date
  • FCA imposed a requirement (The firm to abide by the Deed Poll)
  • Became authorised by the FCA

FCA register

2001

9 March 2001

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (9 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Armchair Mortgages

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

connected firm
1
share its postcode
1
past link
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
  • 1 past link through former directors
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Firms like Armchair Mortgages

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

In Cannock

Abc Finance LimitedCannockAuthorisedChase Morgan Financial Services LimitedCannockSee the registerR.a. Street Associates LimitedCannockAuthorisedJames Evans & Associates LimitedCannockAppointed representativeJo Bates Mortgage Services LtdCannockAppointed representativeMercian Finance Solutions LimitedCannockAppointed 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 Armchair Mortgages

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Armchair Mortgages Limited FCA authorised?
Yes, Armchair Mortgages Limited (FRN 612752) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2014 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Armchair Mortgages’ phone number and website?
The FCA register lists the phone number 01543 477501 and the website armchair-mortgages.co.uk for Armchair Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Armchair Mortgages a scam or clone?
Armchair 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 Armchair Mortgages?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Armchair Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Armchair Mortgages?
Companies House lists 2 people with significant control of Armchair Mortgages: Mr Ian Mark Ferguson (50–75% of shares) and Mrs Jacqueline Ferguson (25–50% of shares). Before that, it was controlled by Mr Brian Matthew Rossiter.
Who runs Armchair Mortgages?
Companies House lists one director of Armchair Mortgages: Ian Mark Ferguson.
How long has Armchair Mortgages been in business?
The company was formed on 9 March 2001, and has held its current FCA authorisation since April 2014.
What do Armchair Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2020, show total equity of £40.1k (no earlier figure to compare) and cash at bank of £67.0k (no earlier figure to compare).

Sources and links

The full report on Armchair Mortgages Limited

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