Dragon Mortgages Limited

Reference number: 747417

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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.

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.
  • Dragon Mortgages Limited (FRN 747417) is an AR of Dragon Brokers Limited (FRN 599430). When you use Dragon Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Dragon Mortgages, 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 dragonfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 974 5100 is
  • Who else gives the postcode M33 7PE
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Other names (6)

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

  • Bolt Money Trading name: A name it trades under now.
  • Dragon Finance Trading name: A name it trades under now.
  • HomeLoanHub Trading name: A name it trades under now.
  • Your Money Search Trading name: A name it trades under now.
  • Dragon Compliance Limited Former name: A name it was registered under before.
  • Money Saving Advisors Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Dragon Brokers 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 name
DRAGON MORTGAGES LTD
Company status
Active
Company type
Private limited company
Incorporated
19 February 2013 (13 years old)
Registered office
145 Washway Road, Sale, M33 7PE, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon Wayne Smith Director Mar 1983 19 Feb 2013 4 other companies
Robin Lawrence Jones Director Mar 1986 1 May 2013 5 other companies
Warren David Paul Garner Director Sep 1987 13 Jan 2020 None

Other companies run by these 3 directors

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 companies
7
closed down
3
are FCA-registered
2

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 2 companies these 3 directors run together
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Filed accounts and finances

Year to 28 September 2025Micro-entity accountsNot audited

Net assets

£56.6k

Up £337k from −£280k

Employees (average)

18

+29% from 14

Owed within a year

£353k

−46% from £657k

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 08410336. 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

Dragon Mortgages’s history from the FCA register and Companies House, newest first.

2026

25 March 2026

  • Robin Lawrence Jones stopped being a part-owner
  • Simon Smith stopped being a part-owner
  • Ssrj Limited became the majority owner (50–75% of shares)

Companies House

2019

11 March 2019

  • Changed its registered name from "Dragon Compliance Limited"

FCA register

18 February 2019

  • Manchester Outsourcing Ltd stopped being a part-owner

Companies House

2016

24 August 2016

  • Manchester Outsourcing Ltd became a part-owner (25–50% of shares)

Companies House

18 May 2016

  • Became an appointed representative

FCA register

6 April 2016

  • Robin Lawrence Jones became a part-owner (25–50% of shares)
  • Simon Smith became a part-owner (25–50% of shares)

Companies House

2013

19 February 2013

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (10 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Dragon Mortgages

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

connected firms
4
share a director
1
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Dragon Mortgages

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

In Sale

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 Dragon Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 22 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Dragon Mortgages Limited FCA authorised?
Dragon Mortgages Limited (FRN 747417) 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 Dragon Mortgages?
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. Dragon Mortgages Limited (FRN 747417) is an AR of Dragon Brokers Limited (FRN 599430). When you use Dragon Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Dragon Mortgages, 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 Dragon Mortgages’ phone number and website?
The FCA register lists the phone number 0161 974 5100 and the website dragonfinance.co.uk for Dragon Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Dragon Mortgages a scam or clone?
Dragon Mortgages 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 Dragon Mortgages?
Protection works through Dragon Brokers Limited, the principal firm responsible for Dragon Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Dragon Mortgages?
Dragon Mortgages is owned by Ssrj Limited, which holds 50–75% of shares, 50–75% of votes and can appoint and remove the board, since 25 March 2026. Before that, it was controlled by Mr Robin Lawrence Jones, Mr Simon Smith and Manchester Outsourcing Ltd.
Who runs Dragon Mortgages?
Companies House lists 3 directors of Dragon Mortgages: Simon Wayne Smith, Robin Lawrence Jones and Warren David Paul Garner.
How long has Dragon Mortgages been in business?
The company was formed on 19 February 2013.
What do Dragon Mortgages’ latest accounts show?
Its latest accounts, to 28 September 2025, show net assets of £56.6k (up £337k from −£280k).
Does Dragon Mortgages use any other names?
It trades as Bolt Money, Dragon Finance, HomeLoanHub and Your Money Search. It has previously used 2 other names: Dragon Compliance Limited and Money Saving Advisors.

Sources and links

The full report on Dragon Mortgages Limited

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