First Time Buyer Mortgages Ltd

Reference number: 1042238

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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

First Complete Limited Reference number: 435779 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 Time Buyer Mortgages Ltd (FRN 1042238) is an AR of First Complete Limited (FRN 435779). When you use First Time Buyer Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from First Time Buyer 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.

  • No website on the FCA register

  • Phone number

    028 9694 4284

  • Address

    222 Lisburn Road, Belfast, Northern Ireland, BT9 6GD, United Kingdom

In the full report: 2 background checks

  • What kind of line 028 9694 4284 is
  • Who else gives the postcode BT9 6GD
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
NI730959
Company status
Active
Company type
Private limited company
Incorporated
30 June 2025 (1 year old)
Registered office
222 Lisburn Road, Belfast, BT9 6GD, Northern Ireland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Patrick Rice Director Nov 1981 30 Jun 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

First Time Buyer Mortgages’s history from the FCA register and Companies House, newest first.

2025

26 September 2025

  • Became an appointed representative

FCA register

30 June 2025

  • Incorporated at Companies House
  • Patrick Rice took control (75–100% of shares)
  • Patrick Rice appointed as a director

Companies House

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

Firms like First Time Buyer Mortgages

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

In Belfast

UPS (Financial Services) LtdBelfastAppointed representativeDonald MorganBelfastAppointed representativeEsther MurphyBelfastAppointed representativeHq Mortgages LtdBelfastAppointed representativeLaura Lewis Financial LtdBelfastAppointed representativeLeah AlbertBelfastAppointed 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 Time Buyer 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
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is First Time Buyer Mortgages Ltd FCA authorised?
First Time Buyer Mortgages Ltd (FRN 1042238) 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 Time Buyer 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. First Time Buyer Mortgages Ltd (FRN 1042238) is an AR of First Complete Limited (FRN 435779). When you use First Time Buyer Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from First Time Buyer 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 First Time Buyer Mortgages’ phone number?
The FCA register lists the phone number 028 9694 4284 for First Time Buyer Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is First Time Buyer Mortgages a scam or clone?
First Time Buyer 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 First Time Buyer Mortgages?
Protection works through First Complete Limited, the principal firm responsible for First Time Buyer Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns First Time Buyer Mortgages?
Companies House lists one person with significant control of First Time Buyer Mortgages: Mr Patrick Rice (75–100% of shares).
Who runs First Time Buyer Mortgages?
Companies House lists one director of First Time Buyer Mortgages: Patrick Rice.
How long has First Time Buyer Mortgages been in business?
The company was formed on 30 June 2025.

Sources and links

The full report on First Time Buyer Mortgages Ltd

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