Emerald Mortgage Services Ltd

Reference number: 1040479

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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.

Responsible principal firm

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
  • Emerald Mortgage Services Ltd (FRN 1040479) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Emerald Mortgage Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Emerald Mortgage 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

    07841 581992

  • Address

    Independence House, 14A Nelson Street, Southend-On-Sea, Southend-On-Sea, SS1 1EF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07841 581992 is
  • Who else gives the postcode SS1 1EF
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Other names (1)

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

  • Emerald Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Intelligence 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
16617795
Company status
Active
Company type
Private limited company
Incorporated
30 July 2025 (1 year old)
Registered office
Independence House, 14a Nelson Street, Southend-On-Sea, SS1 1EF, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Elizabeth Mary Nugent Director Jan 1985 30 Jul 2025 None
Charlotte Kathleen O'Neill Director Mar 1992 30 Jul 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

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

Key events (4) All events (7)

2025

28 August 2025

  • Became an appointed representative

FCA register

30 July 2025

  • Incorporated at Companies House
  • Charlotte Kathleen O'Neill became a part-owner (25–50% of shares)
  • Elizabeth Mary Nugent became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Emerald Mortgage Services

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

In Southend-On-Sea

Aura Mortgages LimitedSouthend-On-SeaAppointed representativeBlomfield Mortgage Services LtdSouthend-On-SeaAppointed representativeBridgemore Mortgages LtdSouthend-On-SeaAppointed representativeFG Mortgages LTDSouthend-On-SeaAppointed representativeGateway Financial Advisors LimitedSouthend-on-SeaAppointed representativePhilip FieldSouthend-On-SeaAppointed representative

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 Emerald Mortgage 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
  • All 7 events in its history

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Frequently asked questions about this firm

Is Emerald Mortgage Services Ltd FCA authorised?
Emerald Mortgage Services Ltd (FRN 1040479) 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 Emerald Mortgage 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. Emerald Mortgage Services Ltd (FRN 1040479) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Emerald Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Emerald Mortgage 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 Emerald Mortgage Services’ phone number?
The FCA register lists the phone number 07841 581992 for Emerald Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is Emerald Mortgage Services a scam or clone?
Emerald 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 Emerald Mortgage Services?
Protection works through Mortgage Intelligence Limited, the principal firm responsible for Emerald Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Emerald Mortgage Services?
Companies House lists 2 people with significant control of Emerald Mortgage Services: Elizabeth Mary Nugent (25–50% of shares) and Charlotte Kathleen O'Neill (25–50% of shares).
Who runs Emerald Mortgage Services?
Companies House lists 2 directors of Emerald Mortgage Services: Elizabeth Mary Nugent and Charlotte Kathleen O'Neill.
How long has Emerald Mortgage Services been in business?
The company was formed on 30 July 2025.
Does Emerald Mortgage Services use any other names?
It trades as Emerald Mortgages.

Sources and links

The full report on Emerald Mortgage Services Ltd

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