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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 December 2025
Responsible principal firm
Central Mortgages (Essex) Ltd Reference number: 460448 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.
- Equity Release Brokers Limited (FRN 844014) is an AR of Central Mortgages (Essex) Ltd (FRN 460448). When you use Equity Release Brokers's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Equity Release Brokers, 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
32 The Fairways, Cold Norton, Chelmsford, Essex, CM3 6JJ, United Kingdom
In the full report: 2 background checks
- What kind of line 01277 630183 is, and the other firm that gives it
- Who else gives the postcode CM3 6JJ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Equity Release Brokers Ltd Former name: A name it was registered under before.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
The FCA warning these came from
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Central Mortgages (Essex) Ltd, 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 11780704 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 January 2019 (7 years old)
- Registered office
- Lakeview House, 4 Woodbrook Crescent, Billericay, Essex, CM12 0EQ, United Kingdom
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| David Christopher Myers | Director | Apr 1962 | 22 Jan 2019 | 4 other companies |
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 companies
- 4
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 4 companies, 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
- The one on the FCA register
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£14.1k
Up £40.6k from −£26.5k
Cash at bank
£46.9k
+35% from £34.8k
Owed within a year
£40.3k
−39% from £66.1k
Assets and liabilities
In the full report: all 7 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.
Accounts filed at Companies House for company 11780704. 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
Equity Release Brokers’s history from the FCA register and Companies House, newest first.
2026
20 March 2026
- Changed its registered name from "Equity Release Brokers Ltd"
FCA register
2021
12 May 2021
- FCA warned the public about a scam impersonating this firm
FCA warning list
2019
28 June 2019
- Christopher Roy Warner stopped being a part-owner
Companies House
13 June 2019
- Became an appointed representative
FCA register
22 January 2019
- Incorporated at Companies House
- Christopher Roy Warner became a part-owner (25–50% of shares)
- David Christopher Myers took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms connected to Equity Release Brokers
Other FCA-listed firms that share a director, phone number or address with Equity Release Brokers. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Equity Release Brokers
Other firms of the same type (mortgage adviser or broker), nearest first.
In Chelmsford
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 Equity Release Brokers
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 10 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: Equity-Broker / equity-broker.io / Equity-Holdings fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk