Dow Mortgage Services Limited

Reference number: 306390

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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.

  • No website on the FCA register

  • Phone number

    0131 538 7178

  • Address

    76 Ratcliffe Terrace, Edinburgh, Midlothian, EH9 1ST, United Kingdom

In the full report: 2 background checks

  • What kind of line 0131 538 7178 is, and the other firm that gives it
  • Who else gives the postcode EH9 1ST
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Other names (1)

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

  • Dow Financial Services Ltd Former 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages · Arrange equity release 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 (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • 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
SC265832
Company status
Active
Company type
Private limited company
Incorporated
31 March 2004 (22 years old)
Registered office
76 Ratcliffe Terrace, Edinburgh, EH9 1ST
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Bryan Craig Dow Director Jan 1954 31 Mar 2004 1 other company
Lisbeth Christy Secretary Not published 31 Mar 2004 –

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
is FCA-registered
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
  • The one on the FCA register
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£17.5k

+3.9% from £16.9k

Employees (average)

2

Same as 2

Owed within a year

£13.3k

+29% from £10.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 SC265832. 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

Dow Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2016

6 April 2016

  • Bryan Craig Dow took control (75–100% 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

31 March 2004

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Dow Mortgage Services

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

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Dow Mortgage Services

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

In Edinburgh

Alan SutherlandEdinburghAuthorisedBritannia Financial (UK) LimitedEdinburghAuthorisedBTL Mortgages Scotland LtdEdinburghAuthorisedColin James GourlayEdinburghAuthorisedCurrancy LimitedEdinburghAuthorisedFox Private Finance LimitedEdinburghAuthorised

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 Dow Mortgage Services

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
  • 7 years of accounts, charted
  • All 10 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Dow Mortgage Services Limited FCA authorised?
Yes, Dow Mortgage Services Limited (FRN 306390) 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 Dow Mortgage Services’ phone number?
The FCA register lists the phone number 0131 538 7178 for Dow Mortgage Services. 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 Dow Mortgage Services a scam or clone?
Dow Mortgage Services 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 Dow Mortgage Services?
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 Dow Mortgage Services to the Financial Ombudsman Service, free of charge.
Who owns Dow Mortgage Services?
Companies House lists one person with significant control of Dow Mortgage Services: Bryan Craig Dow (75–100% of shares).
Who runs Dow Mortgage Services?
Companies House lists one director of Dow Mortgage Services: Bryan Craig Dow.
How long has Dow Mortgage Services been in business?
The company was formed on 31 March 2004, and has held its current FCA authorisation since October 2004.
What do Dow Mortgage Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £17.5k (+3.9% from £16.9k).
Does Dow Mortgage Services use any other names?
It has previously used the name Dow Financial Services Ltd.

Sources and links

The full report on Dow Mortgage Services Limited

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