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 5 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 December 2025
Responsible principal firm
Connect IFA Ltd Reference number: 441505 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.
- CAPITAL MORTGAGES AND FINANCE LIMITED (FRN 948796) is an AR of Connect IFA Ltd (FRN 441505). When you use CAPITAL MORTGAGES AND FINANCE's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from CAPITAL MORTGAGES AND FINANCE, 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.
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No website on the FCA register
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Phone number
-
Address
321-323 High street, Chadwell Heath, Essex, RM6 6AX, United Kingdom
In the full report: 2 background checks
- What kind of line 07884 242604 is
- Who else gives the postcode RM6 6AX
Other names (4)
If you were contacted under any of these names, it is this firm.
- ISLAMIC FINANCE BUREAU Trading name: A name it trades under now.
- CAPITAL MORTGAGES & FINANCE LIMITED Former name: A name it was registered under before.
- ISLAMIC FINANCE BUREAU LTD Former name: A name it was registered under before.
- Capital Mortgages & Finance Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Connect IFA 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
- 12994071 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 November 2020 (5 years old)
- Registered office
- Office 4441 321-323 High Road, Chadwell Heath, Essex, RM6 6AX, United Kingdom
- Nature of business
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- Agents specialised in the sale of other particular products (SIC 46180)
- Activities of mortgage finance companies (SIC 64922)
- Financial intermediation not elsewhere classified (SIC 64999)
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Amna Saif | Director | Oct 1990 | 3 Nov 2020 | None |
| Amna Saif | Secretary | Not published | 3 Nov 2020 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£8,376
+98% from £4,229
Cash at bank
£8,323
+233% from £2,500
Employees (average)
1
Same as 1
Owed within a year
£2,408
Up £1,676 from £732
Net assets
In the full report: all 6 years of accounts
- Every year from 2021 to 2025
- The chart, over every year
- Every filed figure, year by year
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 12994071. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Capital Mortgages and Finance’s history from the FCA register and Companies House, newest first.
2023
1 November 2023
- Changed its registered name from "ISLAMIC FINANCE BUREAU LTD"
FCA register
2021
23 June 2021
- Changed its registered name from "CAPITAL MORTGAGES & FINANCE LIMITED"
FCA register
9 April 2021
- Became an appointed representative
FCA register
2020
3 November 2020
- Incorporated at Companies House
- Amna Saif took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (5 shown here)
- Every director appointment and resignation: 1
Firms like Capital Mortgages and Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Romford (RM) postcode area
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 Capital Mortgages and Finance
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 10 events in its history
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Frequently asked questions about this firm
Is Capital Mortgages and Finance Limited FCA authorised?
What does appointed representative mean for Capital Mortgages and Finance?
What is Capital Mortgages and Finance’s phone number?
Is Capital Mortgages and Finance a scam or clone?
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Who owns Capital Mortgages and Finance?
Who runs Capital Mortgages and Finance?
How long has Capital Mortgages and Finance been in business?
What do Capital Mortgages and Finance’s latest accounts show?
Does Capital Mortgages and Finance use any other names?
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