Dolphin Mortgage Advice Ltd

Reference number: 511232

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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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Dolphin Mortgage Advice Ltd (FRN 511232) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Dolphin Mortgage Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Dolphin Mortgage Advice, 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 dolphinmortgage.co.uk first appeared online, and whether it can receive email
  • What kind of line 0118 935 3255 is
  • Who else gives the postcode RG6 7HY
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Other names (2)

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

  • Dolphin Independent (Mortgage Advice) Former name
  • Dolphin Independent (Mortgage Advice Limited) Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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
09510821
Company status
Active
Company type
Private limited company
Incorporated
26 March 2015 (11 years old)
Registered office
462 Wokingham Road, Earley, Reading, Berkshire, RG6 7HY, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Geeta Nair Director Dec 1965 26 Mar 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£390

Up £46 from £344

Cash at bank

£1,318

−33% from £1,954

Employees (average)

1

Same as 1

Owed within a year

£3,489

−65% from £10.0k

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 09510821. 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

Dolphin Mortgage Advice’s history from the FCA register and Companies House, newest first.

2024

23 January 2024

  • Changed its registered name from "Dolphin Independent (Mortgage Advice Limited)"

FCA register

2016

6 April 2016

  • Geeta Nair took control (75–100% of shares)

Companies House

2015

18 August 2015

  • Changed its registered name from "Dolphin Independent (Mortgage Advice)"

FCA register

26 March 2015

  • Incorporated at Companies House
  • Geeta Nair appointed as a director

Companies House

2009

27 October 2009

  • Became an appointed representative

FCA register

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

Firms like Dolphin Mortgage Advice

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

In Reading

Alice HaleReadingAppointed representativeAmir KharkowaReadingAppointed representativeAssist Mortgages LtdReadingAppointed representativeChristopher Alan PownallReadingAppointed representativeDCW Mortgage & Financial Solutions LimitedReadingAppointed representativeDSMN LimitedReadingAppointed 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 Dolphin Mortgage Advice

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
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Dolphin Mortgage Advice Ltd FCA authorised?
Dolphin Mortgage Advice Ltd (FRN 511232) 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 Dolphin Mortgage Advice?
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. Dolphin Mortgage Advice Ltd (FRN 511232) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Dolphin Mortgage Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Dolphin Mortgage Advice, 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 Dolphin Mortgage Advice’s phone number and website?
The FCA register lists the phone number 0118 935 3255 and the website dolphinmortgage.co.uk for Dolphin Mortgage Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Dolphin Mortgage Advice a scam or clone?
Dolphin Mortgage Advice 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 Dolphin Mortgage Advice?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Dolphin Mortgage Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Dolphin Mortgage Advice?
Companies House lists one person with significant control of Dolphin Mortgage Advice: Ms Geeta Nair (75–100% of shares).
Who runs Dolphin Mortgage Advice?
Companies House lists one director of Dolphin Mortgage Advice: Geeta Nair.
How long has Dolphin Mortgage Advice been in business?
The company was formed on 26 March 2015.
What do Dolphin Mortgage Advice’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £390 (up £46 from £344) and cash at bank of £1,318 (−33% from £1,954).
Does Dolphin Mortgage Advice use any other names?
It has previously used 2 other names: Dolphin Independent (Mortgage Advice) and Dolphin Independent (Mortgage Advice Limited).

Sources and links

The full report on Dolphin Mortgage Advice Ltd

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