Clearwater Mortgages Limited: FCA regulated?

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 21 years
Protected through the principal
No FCA actions
Active company since 2006
Accounts filed up to 31 March 2026

Responsible principal firm

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
Clearwater Mortgages Limited (FRN 431016) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Clearwater Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Clearwater Mortgages, 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.

No website on the FCA register
No phone number on the FCA register
Address

5 Manor Road, Rustington, Littlehampton, West Sussex, BN16 3QT, United Kingdom

In the full report: 1 background check

Who else gives the postcode BN16 3QT

Other names (1)

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

Stephen Newman Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection 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, 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: 05936807 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 September 2006 (20 years old)
Registered office: 41b Beach Road, Littlehampton, West Sussex, BN17 5JA
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Stephen John Newman	Director	Mar 1966	15 Sep 2006	1 other company
Katherine Newman	Director	Mar 1978	28 Sep 2006	None
Katherine Newman	Secretary	Not published	15 Sep 2006	None

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

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

Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£43.7k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£16.1k

+33% from £12.1k

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

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 05936807. 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

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

Key events (5) All events (8)

2016

6 April 2016

Katherine Newman became a part-owner (25–50% of shares)
Stephen John Newman became the majority owner (50–75% of shares)

Companies House

2006

20 October 2006

Changed its registered name from "Stephen Newman"

FCA register

15 September 2006

Incorporated at Companies House

Companies House

2005

13 April 2005

Became an appointed representative

FCA register

In the full report: all 8 events

All 8 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms like Clearwater Mortgages

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

In Littlehampton

Bespoke Mortgage Services LimitedLittlehamptonAppointed representative Daniello Santo Molica-FrancoLittlehamptonAppointed representative Healthchoice Medisearch (UK) LimitedLittlehamptonAppointed representative Lee Richard MarshallLittlehamptonAppointed representative Sarah WealeLittlehamptonAppointed 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 Clearwater Mortgages

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
1 background check on its contact details
7 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is Clearwater Mortgages Limited FCA authorised?

Clearwater Mortgages Limited (FRN 431016) 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 Clearwater Mortgages?

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. Clearwater Mortgages Limited (FRN 431016) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Clearwater Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clearwater Mortgages, 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.

Is Clearwater Mortgages a scam or clone?

Clearwater 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 Clearwater Mortgages?

Protection works through Mortgage Intelligence Limited, the principal firm responsible for Clearwater Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Clearwater Mortgages?

Companies House lists 2 people with significant control of Clearwater Mortgages: Mr Stephen John Newman (50–75% of shares) and Mrs Katherine Newman (25–50% of shares).

Who runs Clearwater Mortgages?

Companies House lists 2 directors of Clearwater Mortgages: Stephen John Newman and Katherine Newman.

How long has Clearwater Mortgages been in business?

The company was formed on 15 September 2006.

What do Clearwater Mortgages’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £43.7k (no earlier figure to compare).

Does Clearwater Mortgages use any other names?

It has previously used the name Stephen Newman.