D Gee Mortgages Ltd

Reference number: 775553

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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

PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
  • D Gee Mortgages Ltd (FRN 775553) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use D Gee Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from D Gee 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.

In the full report: 3 background checks

  • When charcol.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 233 2184 is, and the other firm that gives it
  • Who else gives the postcode B3 1QS
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Other names (1)

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

  • John Charcol Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pivotal Financial 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
10689413
Company status
Active
Company type
Private limited company
Incorporated
24 March 2017 (9 years old)
Registered office
50-54 St. Pauls Square, Birmingham, B3 1QS, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Deborah Alison Gee Director Nov 1962 24 Mar 2017 1 other company

Other companies run by its director

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 its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

£4,986

−54% from £10.7k

Cash at bank

£12.5k

+23% from £10.2k

Employees (average)

1

−50% from 2

Owed within a year

£11.3k

+155% from £4,428

Total equity

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 10689413. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2017

1 April 2017

  • Became an appointed representative
  • Began trading as "John Charcol"

FCA register

24 March 2017

  • Incorporated at Companies House
  • Deborah Alison Gee took control (75–100% of shares)
  • Deborah Alison Gee appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to D Gee Mortgages

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

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

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

In Birmingham

A & S Financial ServicesBirminghamAppointed representativeAbundant Finance LimitedBirminghamAppointed representativeAspired Finance LTDBirminghamAppointed representativeBeeline Finance LtdBirminghamAppointed representativeBirmingham Mortgage Hub LimitedBirminghamAppointed representativeBrian WoodroffeBirminghamAppointed 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 D Gee 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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is D Gee Mortgages Ltd FCA authorised?
D Gee Mortgages Ltd (FRN 775553) 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 D Gee 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. D Gee Mortgages Ltd (FRN 775553) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use D Gee Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from D Gee 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.
What is D Gee Mortgages’ phone number and website?
The FCA register lists the phone number 0121 233 2184 and the website charcol.co.uk for D Gee Mortgages. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is D Gee Mortgages a scam or clone?
D Gee 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 D Gee Mortgages?
Protection works through Pivotal Financial Limited, the principal firm responsible for D Gee Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns D Gee Mortgages?
Companies House lists one person with significant control of D Gee Mortgages: Miss Deborah Alison Gee (75–100% of shares).
Who runs D Gee Mortgages?
Companies House lists one director of D Gee Mortgages: Deborah Alison Gee.
How long has D Gee Mortgages been in business?
The company was formed on 24 March 2017.
What do D Gee Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £4,986 (−54% from £10.7k) and cash at bank of £12.5k (+23% from £10.2k).
Does D Gee Mortgages use any other names?
It trades as John Charcol.

Sources and links

The full report on D Gee Mortgages Ltd

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