Concept Mortgages Limited

Reference number: 520316

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 concept-mortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 342 3084 is
  • Who else gives the postcode CH60 0AD
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Other names (2)

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

  • Concept Protect Trading name
  • The Mortgage and Insurance Shop Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
06213893
Company status
Active
Company type
Private limited company
Incorporated
16 April 2007 (19 years old)
Registered office
43 Telegraph Road Telegraph Road, Heswall, Wirral, CH60 0AD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Christian Nevinson Coventry Director Jun 1975 16 Apr 2007 None
Nicola Coventry Director Dec 1977 1 Apr 2014 None
Nicola Coventry Secretary Not published 16 Apr 2007 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Total equity

£327k

−18% from £398k

Cash at bank

£66.4k

−55% from £148k

Employees (average)

4

Same as 4

Owed within a year

£14.1k

−68% from £44.2k

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
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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 06213893. 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

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

Key events (6) All events (13)

2025

1 October 2025

  • Nicola Coventry became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Christian Coventry became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

8 October 2010

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2007

16 April 2007

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Concept Mortgages

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Concept Mortgages

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

In Wirral

Ainsworth Mortgages LimitedWirralAuthorisedBuysure Trust & Insurance Services GB LtdWirralAuthorisedGraham Stanley PikeWirralAuthorisedSmart Financial Products LimitedWirralAuthorisedA Penny Saved LtdWirralAppointed representativeAnthony RowanWirralAppointed 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 Concept Mortgages

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
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 13 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Concept Mortgages Limited FCA authorised?
Yes, Concept Mortgages Limited (FRN 520316) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2010 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Concept Mortgages’ phone number and website?
The FCA register lists the phone number 0151 342 3084 and the website concept-mortgages.co.uk for Concept Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Concept Mortgages a scam or clone?
Concept 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 Concept Mortgages?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Concept Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Concept Mortgages?
Companies House lists 2 people with significant control of Concept Mortgages: Mr Christian Coventry (50–75% of shares) and Mrs Nicola Coventry (25–50% of shares).
Who runs Concept Mortgages?
Companies House lists 2 directors of Concept Mortgages: Christian Nevinson Coventry and Nicola Coventry.
How long has Concept Mortgages been in business?
The company was formed on 16 April 2007, and has held its current FCA authorisation since October 2010.
What do Concept Mortgages’ latest accounts show?
Its latest accounts, to 30 April 2025, show total equity of £327k (−18% from £398k) and cash at bank of £66.4k (−55% from £148k).
Does Concept Mortgages use any other names?
It trades as Concept Protect. It has previously used the name The Mortgage and Insurance Shop.

Sources and links

The full report on Concept Mortgages Limited

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