Citrus Financial Ltd

Reference number: 470303

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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

Mortgage Advice Bureau (Derby) Limited Reference number: 466154 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.
  • Citrus Financial Ltd (FRN 470303) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Citrus Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Citrus Financial, 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, 1 thing worth a closer look

  • When citrusmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01908 920044 is
  • Who else gives the postcode MK5 6LB
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Other names (3)

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

  • Citrus Mortgages Trading name
  • Cashbackinsurances.Com Former trading name
  • Mortgagehound Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau (Derby) 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
06173581
Company status
Active
Company type
Private limited company
Incorporated
20 March 2007 (19 years old)
Registered office
Unit 20 Shenley Pavilions, Chalkdell Drive, Shenley Wood, Milton Keynes, MK5 6LB, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas John Blatcher Director Aug 1968 11 May 2007 None
Gavin Terry Potter Director Sep 1982 11 May 2007 3 other companies
Paul Andrew Barnes Director Jan 1980 1 Sep 2025 1 other company
Emma Louise Hodge Director Aug 1972 1 Sep 2025 2 other companies
Emma Louise Hodge Secretary Not published 11 May 2007 2 other companies

Other companies run by these 4 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 companies
6
closed down
1
still active
5

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£111k

+18% from £94.7k

Cash at bank

£38.8k

−22% from £49.6k

Employees (average)

7

Same as 7

Owed within a year

£61.1k

+13% from £54.2k

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
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 06173581. 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

Citrus Financial’s history from the FCA register and Companies House, newest first.

Key events (10) All events (25)

2025

1 September 2025

  • Anneka Elizabeth Potter no longer has significant control
  • Emma Louise Hodge gained significant control
  • Paul Andrew Barnes gained significant control

Companies House

2019

6 April 2019

  • Olivia Blatcher no longer has significant control

Companies House

2017

31 March 2017

  • Anneka Elizabeth Potter gained significant control
  • Olivia Blatcher gained significant control

Companies House

2016

30 June 2016

  • Gavin Terry Potter gained significant control
  • Nicholas John Blatcher gained significant control

Companies House

2007

12 July 2007

  • Became an appointed representative

FCA register

20 March 2007

  • Incorporated at Companies House

Companies House

In the full report: all 25 events

  • All 25 events in its history (10 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Citrus Financial

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Citrus Financial

Other firms of the same type (insurance broker), nearest first.

In Milton Keynes

Scania Finance Great Britain LimitedMilton KeynesAppointed representativeConnells ResidentialMilton KeynesAppointed representativeA J Mobility LtdMilton KeynesAppointed representativeAccessible Insurance Services LTDMilton KeynesAppointed representativeAccord Insurance Brokers LtdMilton KeynesAppointed representativeAmanda Bish-JonesMilton 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 Citrus Financial

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 25 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Citrus Financial Ltd FCA authorised?
Citrus Financial Ltd (FRN 470303) 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 Citrus Financial?
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. Citrus Financial Ltd (FRN 470303) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Citrus Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Citrus Financial, 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 Citrus Financial’s phone number and website?
The FCA register lists the phone number 01908 920044 and the website citrusmortgages.co.uk for Citrus Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Citrus Financial a scam or clone?
Citrus Financial 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 Citrus Financial?
Protection works through Mortgage Advice Bureau (Derby) Limited, the principal firm responsible for Citrus Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Citrus Financial?
Companies House lists 4 people with significant control of Citrus Financial: Mrs Emma Louise Hodge (can appoint and remove the board), Mr Paul Andrew Barnes (can appoint and remove the board), Mr Nicholas John Blatcher (can appoint and remove the board) and Mr Gavin Terry Potter (can appoint and remove the board). Before that, it was controlled by Miss Olivia Blatcher and Mrs Anneka Elizabeth Potter.
Who runs Citrus Financial?
Companies House lists 4 directors of Citrus Financial: Nicholas John Blatcher, Gavin Terry Potter, Paul Andrew Barnes and Emma Louise Hodge.
How long has Citrus Financial been in business?
The company was formed on 20 March 2007.
What do Citrus Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £111k (+18% from £94.7k) and cash at bank of £38.8k (−22% from £49.6k).
Does Citrus Financial use any other names?
It trades as Citrus Mortgages. It has previously used 2 other names: Cashbackinsurances.Com and Mortgagehound.

Sources and links

The full report on Citrus Financial Ltd

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