DF Mortgage & Protection Specialists LTD

Reference number: 1048224

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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

FEAR Financial Ltd Reference number: 1012718 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.
  • DF Mortgage & Protection Specialists LTD (FRN 1048224) is an AR of FEAR Financial Ltd (FRN 1012718). When you use DF Mortgage & Protection Specialists's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from DF Mortgage & Protection Specialists, 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

  • Phone number

    07958 664720

  • Address

    1 Springfield Villas, Gildersome, Morley, Leeds, Leeds, LS27 7BE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07958 664720 is
  • Who else gives the postcode LS27 7BE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through FEAR Financial Ltd, 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
16900598
Company status
Active
Company type
Private limited company
Incorporated
9 December 2025 (less than a year old)
Registered office
1 Springfield Villas, Morley, Leeds, LS27 7BE, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Debbie Fletcher Director Jun 1985 9 Dec 2025 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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Key dates in its history

DF Mortgage & Protection Specialists’s history from the FCA register and Companies House, newest first.

2026

15 January 2026

  • Became an appointed representative

FCA register

2025

9 December 2025

  • Incorporated at Companies House
  • Debbie Fletcher took control (75–100% of shares)
  • Debbie Fletcher appointed as a director

Companies House

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

Firms like DF Mortgage & Protection Specialists

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

In Leeds

Sulzer (UK) Holdings LimitedLeedsAppointed representativeAKB Property Services LtdLeedsAppointed representativeAlyas KhaliqLeedsAppointed representativeBartlett Underwriting LimitedLeedsAppointed representativeChambers Financial Solutions LtdLeedsAppointed representativeCrystal Cover Leeds LtdLeedsAppointed 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 DF Mortgage & Protection Specialists

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
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is DF Mortgage & Protection Specialists LTD FCA authorised?
DF Mortgage & Protection Specialists LTD (FRN 1048224) 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 DF Mortgage & Protection Specialists?
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. DF Mortgage & Protection Specialists LTD (FRN 1048224) is an AR of FEAR Financial Ltd (FRN 1012718). When you use DF Mortgage & Protection Specialists's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from DF Mortgage & Protection Specialists, 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 DF Mortgage & Protection Specialists’ phone number?
The FCA register lists the phone number 07958 664720 for DF Mortgage & Protection Specialists. If you were given different contact details, use these to check with the firm before going any further.
Is DF Mortgage & Protection Specialists a scam or clone?
DF Mortgage & Protection Specialists 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 DF Mortgage & Protection Specialists?
Protection works through FEAR Financial Ltd, the principal firm responsible for DF Mortgage & Protection Specialists's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns DF Mortgage & Protection Specialists?
Companies House lists one person with significant control of DF Mortgage & Protection Specialists: Miss Debbie Fletcher (75–100% of shares).
Who runs DF Mortgage & Protection Specialists?
Companies House lists one director of DF Mortgage & Protection Specialists: Debbie Fletcher.
How long has DF Mortgage & Protection Specialists been in business?
The company was formed on 9 December 2025.

Sources and links

The full report on DF Mortgage & Protection Specialists LTD

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