Emma Holt

Reference number: 757153

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Appointed representative

Emma Holt does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Emma Holt (FRN 757153) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Emma Holt's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Emma Holt, 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

    07912 468421

  • Address

    37 Coleton Gardens, Ingleby Barwick, Stockton-on-Tees, Durham, TS17 0YA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07912 468421 is
  • Who else gives the postcode TS17 0YA
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Other names (1)

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

  • Mortgage Exchange Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch 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, 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.

Key dates in its history

Emma Holt’s history from the FCA register and Companies House, newest first.

2024

22 August 2024

  • Changed its registered name from "Mortgage Exchange"
  • Began trading as "Mortgage Exchange"

FCA register

2016

31 August 2016

  • Became an appointed representative

FCA register

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

Firms like Emma Holt

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

In Stockton-on-Tees

Angela OwensStockton-On-TeesAppointed representativeArdent Mortgage SolutionsStockton-on-TeesAppointed representativeCallander Mortgage Solutions LtdStockton-on-TeesAppointed representativeCarol Mitchell Financial Services LimitedStockton-On-TeesAppointed representativeCorrie SpashettStockton-on-TeesAppointed representativeGreig Cowley The Mortgage Man LtdStockton-on-TeesAppointed 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 Emma Holt

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

  • 2 background checks on its contact details
  • All 3 events in its history

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Frequently asked questions about this firm

Is Emma Holt FCA authorised?
Emma Holt (FRN 757153) 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 Emma Holt?
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. Emma Holt (FRN 757153) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Emma Holt's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Emma Holt, 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 Emma Holt’s phone number?
The FCA register lists the phone number 07912 468421 for Emma Holt. If you were given different contact details, use these to check with the firm before going any further.
Is Emma Holt a scam or clone?
Emma Holt 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 Emma Holt?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Emma Holt's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Emma Holt use any other names?
It trades as Mortgage Exchange.

Sources and links

The full report on Emma Holt

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