Cheltenham Mortgage Advisers Ltd

Reference number: 606617

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Cheltenham Mortgage Advisers Ltd (FRN 606617) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Cheltenham Mortgage Advisers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cheltenham Mortgage Advisers, 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.

In the full report: 3 background checks

  • When cheltenhammortgageadvice.co.uk first appeared online, and whether it can receive email
  • What kind of line 01242 211610 is
  • Who else gives the postcode GL51 6PN
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Other names (2)

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

  • Cheltenham Equity Release Trading name
  • Gloucester Mortgage Advisers Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
08486660
Company status
Active
Company type
Private limited company
Incorporated
12 April 2013 (13 years old)
Registered office
Cheltenham Film And Photographic Studio, Hatherley Lane, Cheltenham, Gloucestershire, GL51 6PN, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Hume Director Jul 1976 22 Aug 2013 1 other company
Michael Philip Addle Director Jun 1986 1 Apr 2018 1 other company

Other companies run by these 2 directors

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 company
1
still active
1
run together
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£10.1k

Up £10.0k from £115

Cash at bank

£13.3k

−35% from £20.3k

Employees (average)

4

Same as 4

Owed within a year

£103k

−7.5% from £111k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 08486660. 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

Cheltenham Mortgage Advisers’s history from the FCA register and Companies House, newest first.

Key events (11) All events (17)

2023

30 August 2023

  • Cheltenham Mortgage Advisers Holdings Limited took control (75–100% of shares)
  • Sarah Louise Hume stopped being a part-owner

Companies House

2021

13 April 2021

  • Christian Lee Heeley stopped being a part-owner
  • Mark Jason Stanley stopped being a part-owner
  • Michael Philip Addle gained significant control
  • Sarah Hume gained significant control

Companies House

2017

31 March 2017

  • Sarah Louise Hume became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Christian Lee Heeley became a part-owner (25–50% of shares)
  • Mark Jason Stanley became a part-owner (25–50% of shares)

Companies House

2013

30 August 2013

  • Became an appointed representative

FCA register

12 April 2013

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (11 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Cheltenham Mortgage Advisers

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Cheltenham Mortgage Advisers

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

In Cheltenham

Andrew PrescottCheltenhamAppointed representativeAviella Consulting LimitedCheltenhamAppointed representativeBallard Associates LtdCheltenhamAppointed representativeBSB Mortgage Advisors LimitedCheltenhamAppointed representativeCornell De Mel Home Finance LtdCheltenhamAppointed representativeCotswold Mortgage Advice Centre LimitedCheltenhamAppointed 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 Cheltenham Mortgage Advisers

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cheltenham Mortgage Advisers Ltd FCA authorised?
Cheltenham Mortgage Advisers Ltd (FRN 606617) 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 Cheltenham Mortgage Advisers?
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. Cheltenham Mortgage Advisers Ltd (FRN 606617) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Cheltenham Mortgage Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cheltenham Mortgage Advisers, 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 Cheltenham Mortgage Advisers’ phone number and website?
The FCA register lists the phone number 01242 211610 and the website cheltenhammortgageadvice.co.uk for Cheltenham Mortgage Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is Cheltenham Mortgage Advisers a scam or clone?
Cheltenham Mortgage Advisers 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 Cheltenham Mortgage Advisers?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Cheltenham Mortgage Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cheltenham Mortgage Advisers?
Cheltenham Mortgage Advisers is owned by Cheltenham Mortgage Advisers Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 30 August 2023. Before that, it was controlled by Mrs Sarah Louise Hume, Mr Christian Lee Heeley and Mr Mark Jason Stanley.
Who runs Cheltenham Mortgage Advisers?
Companies House lists 2 directors of Cheltenham Mortgage Advisers: Sarah Hume and Michael Philip Addle.
How long has Cheltenham Mortgage Advisers been in business?
The company was formed on 12 April 2013.
What do Cheltenham Mortgage Advisers’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £10.1k (up £10.0k from £115) and cash at bank of £13.3k (−35% from £20.3k).
Does Cheltenham Mortgage Advisers use any other names?
It trades as Cheltenham Equity Release and Gloucester Mortgage Advisers.

Sources and links

The full report on Cheltenham Mortgage Advisers Ltd

£19.99 · Instant PDF download

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