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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 28 February 2026
Responsible principal firm
MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
- Certa Private Finance Ltd (FRN 976047) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Certa Private Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Certa Private 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
10 Falcon Ridge, Berkhamsted, Hertfordshire, HP4 2HJ, United Kingdom
In the full report: 2 background checks
- What kind of line 07939 137576 is, and the other firm that gives it
- Who else gives the postcode HP4 2HJ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Intelligence 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, 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 name
- CERTA PRIVATE FINANCE LIMITED
- Company number
- 12808736 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 August 2020 (6 years old)
- Registered office
- 10 Falcon Ridge, Berkhamsted, HP4 2HJ, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Yasmin Anwar | Director | Feb 1967 | 12 Aug 2020 | 3 other companies |
Other companies run by its director
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 3
- still active
- 3
- is FCA-registered
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
£9,110
+126% from £4,033
Employees (average)
1
Same as 1
Owed within a year
£6,607
+205% from £2,168
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2021 to 2026
- 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 12808736. 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
Certa Private Finance’s history from the FCA register and Companies House, newest first.
2022
19 May 2022
- Became an appointed representative
- Began trading as "Certa Private Finance"
FCA register
2020
12 August 2020
- Incorporated at Companies House
- Yasmin Anwar took control (75–100% of shares)
- Yasmin Anwar appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Certa Private Finance
Other FCA-listed firms that share a director, phone number or address with Certa Private Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Certa Private Finance
Other firms of the same type (insurance broker), nearest first.
In Berkhamsted
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 Certa Private Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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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