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.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 July 2025
- On its latest accounts it owed £3 more than it owned
Responsible principal firm
OSL Financial Services Ltd Reference number: 948512 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.
- Bee Smart Mortgages Limited (FRN 999672) is an AR of OSL Financial Services Ltd (FRN 948512). When you use Bee Smart Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Bee Smart 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
-
Address
1 Glover Close, Clacton-On-Sea, Essex, CO16 8GL, United Kingdom
In the full report: 2 background checks
- What kind of line 07496 746805 is
- Who else gives the postcode CO16 8GL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through OSL Financial Services Ltd, 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, freeYou 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
- 14978605 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 July 2023 (3 years old)
- Registered office
- 1 Glover Close, Clacton-On-Sea, CO16 8GL, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sian Betty Grace Mills | Director | May 1995 | 4 Jul 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Total equity
−£3
−100% from £2,325
Employees (average)
0
Same as 0
Owed within a year
£2,544
Up £1,840 from £704
Total equity is negative: on its last balance sheet the company owed £3 more than it owned.
Total equity
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 14978605. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Bee Smart Mortgages’s history from the FCA register and Companies House, newest first.
2023
9 August 2023
- Became an appointed representative
- Began trading as "Bee Smart Mortgages"
FCA register
4 July 2023
- Incorporated at Companies House
- Sian Betty Grace Mills took control (75–100% of shares)
- Sian Betty Grace Mills appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Bee Smart Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Clacton-On-Sea
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 Bee Smart Mortgages
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 5 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Bee Smart Mortgages Limited FCA authorised?
What does appointed representative mean for Bee Smart Mortgages?
What is Bee Smart Mortgages’ phone number?
Is Bee Smart Mortgages a scam or clone?
Is my money safe with Bee Smart Mortgages?
Who owns Bee Smart Mortgages?
Who runs Bee Smart Mortgages?
How long has Bee Smart Mortgages been in business?
What do Bee Smart Mortgages’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk