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 24 years
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 March 2025
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 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.
- Elmbrae Mortgage & Pensions Ltd. (FRN 210850) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Elmbrae Mortgage & Pensions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Elmbrae Mortgage & Pensions, 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
-
Address
19/21 Stafford Street, Tain, Ross-shire, IV19 1AZ, United Kingdom
In the full report: 2 background checks
- What kind of line 01862 893561 is
- Who else gives the postcode IV19 1AZ
Other names (4)
If you were contacted under any of these names, it is this firm.
- Elmbrae Mortgages & Pensions Ltd Former name: A name it was registered under before.
- Ewan A Forrest Financial Mortgage & Insurance Services Former name: A name it was registered under before.
- Ewan Forrest Former name: A name it was registered under before.
- The Mortgage Shop Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter 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, 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
- SC265582 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 March 2004 (22 years old)
- Registered office
- 10 Knockbreck Street, Tain, IV19 1BJ, Scotland
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Colin Alexander Mackay | Director | Oct 1964 | 4 May 2004 | 1 other company |
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
- closed down
- 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
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£100k
+73% from £57.8k
Employees (average)
1
Same as 1
Owed within a year
£30.7k
+73% from £17.7k
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
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 SC265582. 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
Elmbrae Mortgage & Pensions’s history from the FCA register and Companies House, newest first.
2026
16 February 2026
- Changed its registered name from "Elmbrae Mortgage & Pensions Ltd"
FCA register
2022
20 December 2022
- Changed its registered name from "Elmbrae Mortgages & Pensions Ltd"
FCA register
22 July 2022
- Changed its registered name from "Ewan Forrest"
FCA register
2016
6 April 2016
- Colin Alexander Mackay took control (75–100% of shares)
Companies House
2012
13 November 2012
- Changed its registered name from "Ewan A Forrest Financial Mortgage & Insurance Services"
FCA register
2004
29 March 2004
- Incorporated at Companies House
Companies House
2002
5 April 2002
- Became an appointed representative
FCA register
In the full report: all 12 events
- All 12 events in its history (7 shown here)
- Every director appointment and resignation: 1
Firms like Elmbrae Mortgage & Pensions
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Inverness (IV) postcode area
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 Elmbrae Mortgage & Pensions
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
- 6 years of accounts, charted
- All 12 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Elmbrae Mortgage & Pensions Ltd. FCA authorised?
What does appointed representative mean for Elmbrae Mortgage & Pensions?
What is Elmbrae Mortgage & Pensions’ phone number?
Is Elmbrae Mortgage & Pensions a scam or clone?
Is my money safe with Elmbrae Mortgage & Pensions?
Who owns Elmbrae Mortgage & Pensions?
Who runs Elmbrae Mortgage & Pensions?
How long has Elmbrae Mortgage & Pensions been in business?
What do Elmbrae Mortgage & Pensions’ latest accounts show?
Does Elmbrae Mortgage & Pensions 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