Bright Mortgages

Reference number: 499226

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Authorised by the FCA

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

Authorised for 17 years
Your funds are protected by FSCS
No FCA actions

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.

Website

brightmortgages.co.uk (opens in a new tab)
Phone number

07799 867899
Address

12 Sheridan Drive, Helen's Bay, Bangor, County Down, BT19 1LB, United Kingdom

In the full report: 3 background checks

When brightmortgages.co.uk first appeared online, and whether it can receive email
What kind of line 07799 867899 is
Who else gives the postcode BT19 1LB

Other names (3)

If you were contacted under any of these names, it is this firm.

Bright Financial Advice Trading name: A name it trades under now.
Bright Protection Solutions Former trading name: A name it used to trade under.
Bright Retirement Solutions Former trading name: A name it used to trade under.

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 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.

Key dates in its history

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

Key events (3) All events (10)

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2009

6 August 2009

Regulated by the Financial Services Authority from this date

FCA register

22 June 2009

Became authorised by the FCA

FCA register

In the full report: all 10 events

All 10 events in its history (3 shown here)

Firms like Bright Mortgages

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

In Bangor

Independent Mortgages & Loans LtdBangorAuthorised Magowan Allen and AssociatesBangorAuthorised McDowell Financial Services LtdBangorAuthorised Simply MortgagesBangorAuthorised Tavistock Protect LimitedBangorAuthorised 1 4 U Financial Solutions LtdBangorAppointed 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 Bright Mortgages

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

3 background checks on its contact details
All 10 events in its history

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Frequently asked questions about this firm

Is Bright Mortgages FCA authorised?

Yes, Bright Mortgages (FRN 499226) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2009 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Bright Mortgages’ phone number and website?

The FCA register lists the phone number 07799 867899 and the website brightmortgages.co.uk for Bright Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Bright Mortgages a scam or clone?

Bright 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 Bright 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 Bright Mortgages to the Financial Ombudsman Service, free of charge.

Does Bright Mortgages use any other names?

It trades as Bright Financial Advice. It has previously used 2 other names: Bright Protection Solutions and Bright Retirement Solutions.

Sources and links

Its entry on the FCA register register.fca.org.uk
Check your FSCS cover fscs.org.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk