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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 30 November 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Edinburgh MC Ltd (FRN 945047) is an AR of First Complete Limited (FRN 435779). When you use Edinburgh MC's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Edinburgh MC, 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.
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No website on the FCA register
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Phone number
-
Address
4-5 Crighton Place, Edinburgh, Midlothian, EH7 4NZ, United Kingdom
In the full report: 2 background checks
- What kind of line 0131 557 3909 is
- Who else gives the postcode EH7 4NZ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Edinburgh Mortgage Centre Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- SC681437 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 November 2020 (5 years old)
- Registered office
- 4-5 Crighton Place, Edinburgh, EH7 4NZ, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicola Jones | Director | Sep 1983 | 19 Nov 2020 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£64.9k
+16% from £55.9k
Cash at bank
£46.1k
+32% from £34.9k
Employees (average)
4
Same as 4
Owed within a year
£25.1k
+146% from £10.2k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- The chart, over every year
- Every filed figure, year by year
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 SC681437. 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
Edinburgh MC’s history from the FCA register and Companies House, newest first.
2021
16 February 2021
- Became an appointed representative
- Began trading as "Edinburgh Mortgage Centre"
FCA register
2020
19 November 2020
- Incorporated at Companies House
- Nicola Jones became the majority owner (50–75% of shares)
- Nicola Jones appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Edinburgh MC
Other FCA-listed firms that share a director, phone number or address with Edinburgh MC. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Edinburgh MC
Other firms of the same type (mortgage adviser or broker), nearest first.
In Edinburgh
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 Edinburgh MC
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 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Edinburgh MC Ltd FCA authorised?
What does appointed representative mean for Edinburgh MC?
What is Edinburgh MC’s phone number?
Is Edinburgh MC a scam or clone?
Is my money safe with Edinburgh MC?
Who owns Edinburgh MC?
Who runs Edinburgh MC?
How long has Edinburgh MC been in business?
What do Edinburgh MC’s latest accounts show?
Does Edinburgh MC use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk