Direct Mortgage Centre Limited

Reference number: 302007

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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

  • When smarter-mortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01233 512012 is
  • Who else gives the postcode ME20 6TY
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Other names (1)

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

  • Smarter Mortgages 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 (10 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
  • 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
04216598
Company status
Active
Company type
Private limited company
Incorporated
15 May 2001 (25 years old)
Registered office
33 Fielding Drive, Larkfield, Aylesford, ME20 6TY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam Simon Makewell Director Aug 1972 30 Jun 2006 None
Richard Clive Harris Director Mar 1972 30 Jul 2013 None
Adam Simon Makewell Secretary Not published 1 May 2009 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 13 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£20.9k

+95% from £10.7k

Cash at bank

£41.5k

+12% from £37.0k

Employees (average)

2

Same as 2

Owed within a year

£22.2k

−16% from £26.3k

Net assets

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
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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 04216598. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Direct Mortgage Centre’s history from the FCA register and Companies House, newest first.

Key events (6) All events (31)

2016

6 April 2016

  • Adam Simon Makewel became the majority owner (50–75% of shares)
  • Richard Clive Harris became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

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

FCA register

2001

15 May 2001

  • Incorporated at Companies House

Companies House

In the full report: all 31 events

  • All 31 events in its history (6 shown here)
  • Every director appointment and resignation: 22
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Firms like Direct Mortgage Centre

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

In Aylesford

Sheena Anna YoungAylesfordAppointed representative

In the Medway (ME) postcode area

Advice Solutions LimitedChathamAuthorisedAndrew Ray Mortgages LtdMaidstoneAuthorisedB & P Finance Consultants LimitedMaidstoneAuthorisedBennett-Associates LtdSittingbourneAuthorisedBrowning Rose Financial LimitedWest MallingAuthorised

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 Direct Mortgage Centre

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
  • 7 years of accounts, charted
  • All 31 events in its history

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Frequently asked questions about this firm

Is Direct Mortgage Centre Limited FCA authorised?
Yes, Direct Mortgage Centre Limited (FRN 302007) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Direct Mortgage Centre’s phone number and website?
The FCA register lists the phone number 01233 512012 and the website smarter-mortgages.co.uk for Direct Mortgage Centre. If you were given different contact details, use these to check with the firm before going any further.
Is Direct Mortgage Centre a scam or clone?
Direct Mortgage Centre 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 Direct Mortgage Centre?
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 Direct Mortgage Centre to the Financial Ombudsman Service, free of charge.
Who owns Direct Mortgage Centre?
Companies House lists 2 people with significant control of Direct Mortgage Centre: Mr Adam Simon Makewel (50–75% of shares) and Mr Richard Clive Harris (25–50% of shares).
Who runs Direct Mortgage Centre?
Companies House lists 2 directors of Direct Mortgage Centre: Adam Simon Makewell and Richard Clive Harris.
How long has Direct Mortgage Centre been in business?
The company was formed on 15 May 2001, and has held its current FCA authorisation since October 2004.
What do Direct Mortgage Centre’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £20.9k (+95% from £10.7k) and cash at bank of £41.5k (+12% from £37.0k).
Does Direct Mortgage Centre use any other names?
It trades as Smarter Mortgages.

Sources and links

The full report on Direct Mortgage Centre Limited

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