First Mortgage Limited

Reference number: 912499

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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 Advice Bureau Limited Reference number: 455545 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.
  • First Mortgage Limited (FRN 912499) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use First Mortgage's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from First Mortgage, 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

    0131 220 6205

  • Address

    30 Walker Street, Edinburgh, Midlothian, EH3 7HR, United Kingdom

In the full report: 2 background checks

  • What kind of line 0131 220 6205 is, and the other firm that gives it
  • Who else gives the postcode EH3 7HR
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Other names (9)

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

  • firstmortgage.co.uk Trading name
  • First Mortgage Direct Trading name
  • FMD Trading name
  • Liberty Mortgage Solutions Trading name
  • Lucra Mortgages Trading name
  • MacDonald Mortgage Solutions Trading name
  • Mortgage Advice Bureau Trading name
  • Mortgage Focus Trading name
  • Stewart Mortgage & Protection Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
SC177681
Company status
Active
Company type
Private limited company
Incorporated
4 August 1997 (29 years old)
Registered office
30 Walker Street, Edinburgh, EH3 7HR, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Robert Mcgrail Director Sep 1979 12 Aug 2019 12 other companies
Gareth John Herbert Director Feb 1970 22 Sep 2026 36 other companies

Other companies run by these 2 directors

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
37
closed down
1
are FCA-registered
14

In the full report: all 37 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 14 on the FCA register, including one no longer authorised
  • The 11 companies these 2 directors run together
  • All 8 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (8) All events (33)

2019

21 August 2019

  • Became an appointed representative

FCA register

19 July 2019

  • Board replaced: both directors left and 3 new directors took over

Companies House

14 June 2019

  • First Mortgage Direct Limited took control (75–100% of shares)
  • Ian Robert McGrail stopped being a part-owner
  • Robert Lawrence McGrail stopped being a part-owner

Companies House

2016

1 August 2016

  • Ian Robert McGrail became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Robert Lawrence McGrail became a part-owner (25–50% of shares)

Companies House

1997

4 August 1997

  • Incorporated at Companies House

Companies House

In the full report: all 33 events

  • All 33 events in its history (8 shown here)
  • Every director appointment and resignation: 16
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Firms connected to First Mortgage

Other FCA-listed firms that share a director, phone number or address with First Mortgage. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
12
share a director
12
share its phone number
1

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (1)
  • Who links each one: the named directors, with dates
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Firms like First Mortgage

Other firms of the same type (insurance broker), nearest first.

In the Edinburgh (EH) postcode area

Skyscanner LtdEdinburghAppointed representativeArnold Clark Insurance Services LimitedEdinburghAppointed representativeDun Eideann Property LimitedEdinburghAppointed representativeAdvantage Home Finance LtdEdinburghAppointed representativeAIW Mortgages LtdBroxburnAppointed representativeBridges Financial Services LimitedLivingstonAppointed 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 First Mortgage

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

  • 37 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 33 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is First Mortgage Limited FCA authorised?
First Mortgage Limited (FRN 912499) 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 First Mortgage?
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. First Mortgage Limited (FRN 912499) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use First Mortgage's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from First Mortgage, 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 First Mortgage’s phone number?
The FCA register lists the phone number 0131 220 6205 for First Mortgage. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is First Mortgage a scam or clone?
First Mortgage 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 First Mortgage?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for First Mortgage's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns First Mortgage?
First Mortgage is owned by First Mortgage Direct Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 14 June 2019. Before that, it was controlled by Mr Ian Robert McGrail and Mr Robert Lawrence McGrail.
Who runs First Mortgage?
Companies House lists 2 directors of First Mortgage: Ian Robert McGrail and Gareth John Herbert.
How long has First Mortgage been in business?
The company was formed on 4 August 1997.
Does First Mortgage use any other names?
It trades as firstmortgage.co.uk, First Mortgage Direct, FMD, Liberty Mortgage Solutions and Lucra Mortgages, and 4 more names.

Sources and links

The full report on First Mortgage Limited

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