Downton Mortgages and Financial Services Ltd

Reference number: 845100

Instant download

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

First Complete Limited Reference number: 435779 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.
  • Downton Mortgages and Financial Services Ltd (FRN 845100) is an AR of First Complete Limited (FRN 435779). When you use Downton Mortgages and Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Downton Mortgages and Financial Services, 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

    07771 667081

  • Address

    1 Rhodes Avenue, Bishop's Stortford, Hertfordshire, CM23 3JL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07771 667081 is
  • Who else gives the postcode CM23 3JL
Instant PDF download
Other names (2)

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

  • Downton Mortgages & Financial Services Trading name
  • Clara Downton Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
13233478
Company status
Active
Company type
Private limited company
Incorporated
27 February 2021 (5 years old)
Registered office
1 Rhodes Avenue, Bishop's Stortford, Herts, CM23 3JL, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Clara Downton Director Jun 1980 27 Feb 2021 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£173

Down £10 from £183

Cash at bank

£30.7k

+24% from £24.8k

Employees (average)

2

Same as 2

Owed within a year

£30.8k

+22% from £25.3k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 13233478. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Downton Mortgages and Financial Services’s history from the FCA register and Companies House, newest first.

2021

19 May 2021

  • Changed its registered name from "Clara Downton"

FCA register

27 February 2021

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

Companies House

2019

1 July 2019

  • Became an appointed representative
  • Began trading as "Downton Mortgages & Financial Services"

FCA register

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

Firms like Downton Mortgages and Financial Services

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

In Bishop's Stortford

AliveKo Mortgages & Protection LtdBishop's StortfordAppointed representativeK S Pimblett & K J ZarzeckiBishop's StortfordAppointed representativeBishop's Stortford Veterinary Hospital LimitedBishop's StortfordAppointed representativeMarisella Solutions LtdBishop's StortfordAppointed representativeHerts Insurance Consultants LimitedBishop's StortfordAuthorisedAccident & Health Underwriting LimitedBishop's StortfordAuthorised

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 Downton Mortgages and Financial Services

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
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 6 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Downton Mortgages and Financial Services Ltd FCA authorised?
Downton Mortgages and Financial Services Ltd (FRN 845100) 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 Downton Mortgages and Financial Services?
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. Downton Mortgages and Financial Services Ltd (FRN 845100) is an AR of First Complete Limited (FRN 435779). When you use Downton Mortgages and Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Downton Mortgages and Financial Services, 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 Downton Mortgages and Financial Services’ phone number?
The FCA register lists the phone number 07771 667081 for Downton Mortgages and Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Downton Mortgages and Financial Services a scam or clone?
Downton Mortgages and Financial 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 Downton Mortgages and Financial Services?
Protection works through First Complete Limited, the principal firm responsible for Downton Mortgages and Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Downton Mortgages and Financial Services?
Companies House lists one person with significant control of Downton Mortgages and Financial Services: Miss Clara Downton (75–100% of shares).
Who runs Downton Mortgages and Financial Services?
Companies House lists one director of Downton Mortgages and Financial Services: Clara Downton.
How long has Downton Mortgages and Financial Services been in business?
The company was formed on 27 February 2021.
What do Downton Mortgages and Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £173 (down £10 from £183) and cash at bank of £30.7k (+24% from £24.8k).
Does Downton Mortgages and Financial Services use any other names?
It trades as Downton Mortgages & Financial Services. It has previously used the name Clara Downton.

Sources and links

The full report on Downton Mortgages and Financial Services Ltd

£19.99 · Instant PDF download

Loading secure checkout…