Bricks and Mortgages Ltd

Reference number: 833237

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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.
  • Bricks and Mortgages Ltd (FRN 833237) is an AR of The Right Mortgage Limited (FRN 649443). When you use Bricks and Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Bricks and 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

    07922 590652

  • Address

    3 Warren Yard, Warren Park, Stratford Road, Wolverton Mill, Milton Keynes, Buckinghamshire, MK12 5NW, United Kingdom

In the full report: 2 background checks

  • What kind of line 07922 590652 is
  • Who else gives the postcode MK12 5NW
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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
11726935
Company status
Active
Company type
Private limited company
Incorporated
14 December 2018 (7 years old)
Registered office
3 Warren Yard, Wolverton Mill, Milton Keynes, MK12 5NW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Petchey Director Jul 1967 14 Dec 2018 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£14.4k

−19% from £17.7k

Cash at bank

£18.5k

−26% from £24.9k

Owed within a year

£7,878

<1% from £7,936

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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.

Accounts filed at Companies House for company 11726935. 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

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

2019

8 February 2019

  • Became an appointed representative

FCA register

2018

14 December 2018

  • Incorporated at Companies House
  • Michael Petchey took control (75–100% of shares)
  • Michael Petchey appointed as a director

Companies House

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

Firms connected to Bricks and Mortgages

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Bricks and Mortgages

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

In Milton Keynes

Ace Business Finance LimitedMilton KeynesAppointed representativeAllegro Mortgages LimitedMilton KeynesAppointed representativeAureum Private Finance LimitedMilton KeynesAppointed representativeCrown Business Finance LimitedMilton KeynesAppointed representativeD.c Property Finance LimitedMilton KeynesAppointed representativeFarringdon Finance LimitedMilton KeynesAppointed 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 Bricks and 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
  • 6 years of accounts, charted
  • All 4 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bricks and Mortgages Ltd FCA authorised?
Bricks and Mortgages Ltd (FRN 833237) 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 Bricks and 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. Bricks and Mortgages Ltd (FRN 833237) is an AR of The Right Mortgage Limited (FRN 649443). When you use Bricks and Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bricks and 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 Bricks and Mortgages’ phone number?
The FCA register lists the phone number 07922 590652 for Bricks and Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Bricks and Mortgages a scam or clone?
Bricks and 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 Bricks and Mortgages?
Protection works through The Right Mortgage Limited, the principal firm responsible for Bricks and Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bricks and Mortgages?
Companies House lists one person with significant control of Bricks and Mortgages: Mr Michael Petchey (75–100% of shares).
Who runs Bricks and Mortgages?
Companies House lists one director of Bricks and Mortgages: Michael Petchey.
How long has Bricks and Mortgages been in business?
The company was formed on 14 December 2018.
What do Bricks and Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £14.4k (−19% from £17.7k) and cash at bank of £18.5k (−26% from £24.9k).

Sources and links

The full report on Bricks and Mortgages Ltd

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