Finance Factors Mortgages Limited

Reference number: 998166

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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

The Right Mortgage Limited Reference number: 649443 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.
  • Finance Factors Mortgages Limited (FRN 998166) is an AR of The Right Mortgage Limited (FRN 649443). When you use Finance Factors Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Finance Factors Mortgages, 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.

In the full report: 3 background checks

  • When financefactors.co.uk first appeared online, and whether it can receive email
  • What kind of line 07494 464540 is
  • Who else gives the postcode ME16 9JE
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Other names (3)

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

  • Finance Factors Trading name
  • PRH Mortgages Ltd Former name
  • PRH Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
12472824
Company status
Active
Company type
Private limited company
Incorporated
19 February 2020 (6 years old)
Registered office
20 Cherviles Chervilles, Maidstone, ME16 9JE, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Patrick Richard Holland Director Jun 1993 19 Feb 2020 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 28 February 2025Full accountsNot audited

Total equity

£271

Up £100 from £171

Cash at bank

£29.7k

+80% from £16.5k

Owed within a year

£37.8k

−7.8% from £41.0k

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
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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 12472824. 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

Finance Factors Mortgages’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2026

11 March 2026

  • Changed its registered name from "PRH Mortgages Ltd"

FCA register

2023

17 June 2023

  • Became an appointed representative

FCA register

2020

19 February 2020

  • Incorporated at Companies House
  • Patrick Richard Holland took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Finance Factors Mortgages

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

In Maidstone

Casey James Mortgages LtdMaidstoneAppointed representativeChartwells Mortgage Brokers LtdMaidstoneAppointed representativeE-First FinanceMaidstoneAppointed representativeFerrell Financial LimitedMaidstoneAppointed representativeKallo Finance LtdMaidstoneAppointed representativePeter Ampofo & CoMaidstoneAppointed 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 Finance Factors Mortgages

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
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Finance Factors Mortgages Limited FCA authorised?
Finance Factors Mortgages Limited (FRN 998166) 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 Finance Factors Mortgages?
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. Finance Factors Mortgages Limited (FRN 998166) is an AR of The Right Mortgage Limited (FRN 649443). When you use Finance Factors Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Finance Factors Mortgages, 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 Finance Factors Mortgages’ phone number and website?
The FCA register lists the phone number 07494 464540 and the website financefactors.co.uk for Finance Factors Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Finance Factors Mortgages a scam or clone?
Finance Factors Mortgages 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 Finance Factors Mortgages?
Protection works through The Right Mortgage Limited, the principal firm responsible for Finance Factors Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Finance Factors Mortgages?
Companies House lists one person with significant control of Finance Factors Mortgages: Mr Patrick Richard Holland (75–100% of shares).
Who runs Finance Factors Mortgages?
Companies House lists one director of Finance Factors Mortgages: Patrick Richard Holland.
How long has Finance Factors Mortgages been in business?
The company was formed on 19 February 2020.
What do Finance Factors Mortgages’ latest accounts show?
Its latest accounts, to 28 February 2025, show total equity of £271 (up £100 from £171) and cash at bank of £29.7k (+80% from £16.5k).
Does Finance Factors Mortgages use any other names?
It trades as Finance Factors. It has previously used 2 other names: PRH Mortgages Ltd and PRH Mortgages.

Sources and links

The full report on Finance Factors Mortgages Limited

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