Fletcher Payne Mortgage Services Ltd

Reference number: 827311

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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.
  • Fletcher Payne Mortgage Services Ltd (FRN 827311) is an AR of First Complete Limited (FRN 435779). When you use Fletcher Payne Mortgage Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fletcher Payne Mortgage Services, 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

    07388 482339

  • Address

    Northshore, Itchenor, Chichester, West Sussex, PO20 7AY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07388 482339 is
  • Who else gives the postcode PO20 7AY
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Other names (1)

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

  • MoneyPenny Financials Ltd Former name

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
11483411
Company status
Active
Company type
Private limited company
Incorporated
25 July 2018 (8 years old)
Registered office
Northshore, Itchenor, Chichester, West Sussex, PO20 7AY, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Stacey Jade Fletcher Director Mar 1987 25 Jul 2018 1 other company
Lisa Anne Payne Director Dec 1986 1 Aug 2024 2 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
2
closed down
1
run together
1

In the full report: all 2 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

£8,498

Up £8,450 from £48

Employees (average)

1

Same as 1

Owed within a year

£7,936

−55% from £17.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11483411. 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

Fletcher Payne Mortgage Services’s history from the FCA register and Companies House, newest first.

2024

1 August 2024

  • Lisa Anne Payne became a part-owner (25–50% of shares)
  • Lisa Anne Payne appointed as a director

Companies House

2 May 2024

  • Changed its registered name from "MoneyPenny Financials Ltd"

FCA register

2018

29 November 2018

  • Became an appointed representative

FCA register

25 July 2018

  • Incorporated at Companies House
  • Stacey Jade Fletcher became a part-owner (25–50% of shares)
  • Stacey Jade Fletcher appointed as a director

Companies House

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

Firms like Fletcher Payne Mortgage Services

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

In Chichester

Carla O'KaneChichesterAppointed representativeEaves & Gables Mortgages LimitedChichesterAppointed representativePinks Associates LimitedChichesterAppointed representativeRates 4u LtdChichesterAppointed representativeAlpha Independent Mortgages LLPChichesterAuthorisedJuno Independent Mortgages LtdChichesterAuthorised

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 Fletcher Payne Mortgage Services

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is Fletcher Payne Mortgage Services Ltd FCA authorised?
Fletcher Payne Mortgage Services Ltd (FRN 827311) 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 Fletcher Payne Mortgage Services?
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. Fletcher Payne Mortgage Services Ltd (FRN 827311) is an AR of First Complete Limited (FRN 435779). When you use Fletcher Payne Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fletcher Payne Mortgage Services, 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 Fletcher Payne Mortgage Services’ phone number?
The FCA register lists the phone number 07388 482339 for Fletcher Payne Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is Fletcher Payne Mortgage Services a scam or clone?
Fletcher Payne Mortgage Services 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 Fletcher Payne Mortgage Services?
Protection works through First Complete Limited, the principal firm responsible for Fletcher Payne Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fletcher Payne Mortgage Services?
Companies House lists 2 people with significant control of Fletcher Payne Mortgage Services: Mrs Lisa Anne Payne (25–50% of shares) and Miss Stacey Jade Fletcher (25–50% of shares).
Who runs Fletcher Payne Mortgage Services?
Companies House lists 2 directors of Fletcher Payne Mortgage Services: Stacey Jade Fletcher and Lisa Anne Payne.
How long has Fletcher Payne Mortgage Services been in business?
The company was formed on 25 July 2018.
What do Fletcher Payne Mortgage Services’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £8,498 (up £8,450 from £48).
Does Fletcher Payne Mortgage Services use any other names?
It has previously used the name MoneyPenny Financials Ltd.

Sources and links

The full report on Fletcher Payne Mortgage Services Ltd

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