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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 March 2026
Responsible principal firm
TenetLime Limited Reference number: 311266 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.
- Cotswold Mortgage Advice Centre Limited (FRN 842988) is an AR of TenetLime Limited (FRN 311266). When you use Cotswold Mortgage Advice Centre's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cotswold Mortgage Advice Centre, 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
Harley House, 29 Cambray Place, Cheltenham, Gloucestershire, GL50 1JN, United Kingdom
In the full report: 2 background checks
- What kind of line 01242 474124 is
- Who else gives the postcode GL50 1JN
Other names (1)
If you were contacted under any of these names, it is this firm.
- Cotswold Mortgage Advice Centre Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through TenetLime 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 number
- 11878758 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 March 2019 (7 years old)
- Registered office
- 23-25 Foxes Bridge Road, Forest Vale Industrial Estate, Cinderford, GL14 2PQ, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Richard Louis White | Director | Jan 1964 | 13 Mar 2019 | None |
| Jayson Clive Joseph Wholey | Director | Nov 1976 | 13 Mar 2019 | 3 other companies |
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 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 these 2 directors sit 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
£8,417
−39% from £13.8k
Employees (average)
4
Same as 4
Owed within a year
£19.7k
+12% from £17.5k
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 11878758. 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
Cotswold Mortgage Advice Centre’s history from the FCA register and Companies House, newest first.
2026
5 February 2026
- Changed its registered name from "Cotswold Mortgage Advice Centre Ltd"
FCA register
2019
29 May 2019
- Became an appointed representative
FCA register
13 March 2019
- Incorporated at Companies House
- Jayson Clive Joseph Wholey became a part-owner (25–50% of shares)
- Richard Louis White became a part-owner (25–50% of shares)
- Jayson Clive Joseph Wholey appointed as a director
- Richard Louis White appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Cotswold Mortgage Advice Centre
Other FCA-listed firms that share a director, phone number or address with Cotswold Mortgage Advice Centre. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like Cotswold Mortgage Advice Centre
Other firms of the same type (mortgage adviser or broker), nearest first.
In Cheltenham
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 Cotswold Mortgage Advice Centre
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
- 7 years of accounts, charted
- All 7 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Cotswold Mortgage Advice Centre Limited FCA authorised?
What does appointed representative mean for Cotswold Mortgage Advice Centre?
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Is Cotswold Mortgage Advice Centre a scam or clone?
Is my money safe with Cotswold Mortgage Advice Centre?
Who owns Cotswold Mortgage Advice Centre?
Who runs Cotswold Mortgage Advice Centre?
How long has Cotswold Mortgage Advice Centre been in business?
What do Cotswold Mortgage Advice Centre’s latest accounts show?
Does Cotswold Mortgage Advice Centre use any other names?
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