Ballard Associates Ltd

Reference number: 1046623

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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

The Right Mortgage Limited Reference number: 649443 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.
  • Ballard Associates Ltd (FRN 1046623) is an AR of The Right Mortgage Limited (FRN 649443). When you use Ballard Associates's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ballard Associates, 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

    07907 976127

  • Address

    48 Lansdown Road, Cheltenham, Gloucestershire, GL51 6PU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07907 976127 is
  • Who else gives the postcode GL51 6PU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
16318957
Company status
Active
Company type
Private limited company
Incorporated
16 March 2025 (1 year old)
Registered office
48 Lansdown Road, Cheltenham, GL51 6PU, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
David Ballard Director Mar 1982 16 Mar 2025 None
Nicole Ballard Director Nov 1989 16 Mar 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

Ballard Associates’s history from the FCA register and Companies House, newest first.

2026

6 January 2026

  • Became an appointed representative

FCA register

2025

16 March 2025

  • Incorporated at Companies House
  • David Ballard became a part-owner (25–50% of shares)
  • Nicole Ballard became a part-owner (25–50% of shares)
  • David Ballard appointed as a director
  • Nicole Ballard appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Ballard Associates

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

In Cheltenham

Andrew PrescottCheltenhamAppointed representativeAviella Consulting LimitedCheltenhamAppointed representativeBSB Mortgage Advisors LimitedCheltenhamAppointed representativeCheltenham Mortgage Advisers LtdCheltenhamAppointed representativeCornell De Mel Home Finance LtdCheltenhamAppointed representativeCotswold Mortgage Advice Centre LimitedCheltenhamAppointed 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 Ballard Associates

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

  • Every company 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 Ballard Associates Ltd FCA authorised?
Ballard Associates Ltd (FRN 1046623) 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 Ballard Associates?
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. Ballard Associates Ltd (FRN 1046623) is an AR of The Right Mortgage Limited (FRN 649443). When you use Ballard Associates's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ballard Associates, 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 Ballard Associates’ phone number?
The FCA register lists the phone number 07907 976127 for Ballard Associates. If you were given different contact details, use these to check with the firm before going any further.
Is Ballard Associates a scam or clone?
Ballard Associates 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 Ballard Associates?
Protection works through The Right Mortgage Limited, the principal firm responsible for Ballard Associates's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ballard Associates?
Companies House lists 2 people with significant control of Ballard Associates: Mr David Ballard (25–50% of shares) and Mrs Nicole Ballard (25–50% of shares).
Who runs Ballard Associates?
Companies House lists 2 directors of Ballard Associates: David Ballard and Nicole Ballard.
How long has Ballard Associates been in business?
The company was formed on 16 March 2025.

Sources and links

The full report on Ballard Associates Ltd

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