Fluent Mortgages Horwich Limited

Reference number: 979600

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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.
  • Fluent Mortgages Horwich Limited (FRN 979600) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Fluent Mortgages Horwich's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fluent Mortgages Horwich, 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 fluentmoney.co.uk first appeared online, and whether it can receive email
  • What kind of line 01204 899500 is
  • Who else gives the postcode BL6 5UE
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Other names (5)

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

  • Fluent Money Trading name
  • Mortgage Advice Bureau Trading name
  • Fluent Lifetime Former trading name
  • Fluent Mortgages Former trading name
  • Fluent Protect Former 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.

Key dates in its history

Fluent Mortgages Horwich’s history from the FCA register and Companies House, newest first.

Key events (1) All events (9)

2022

22 July 2022

  • Became an appointed representative

FCA register

In the full report: all 9 events

  • All 9 events in its history (1 shown here)
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Firms connected to Fluent Mortgages Horwich

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Fluent Mortgages Horwich

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

In Bolton

Burton James Financial Services LimitedBoltonAppointed representativeCC Financial Solutions LtdBoltonAppointed representativeCougar Brent Home Finance LtdBoltonAppointed representativeFluent Bridging LimitedBoltonAppointed representativeJILA Financial Services LtdBoltonAppointed representativeL&R Business Finance LimitedBoltonAppointed 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 Fluent Mortgages Horwich

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

  • 3 background checks on its contact details
  • All 9 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fluent Mortgages Horwich Limited FCA authorised?
Fluent Mortgages Horwich Limited (FRN 979600) 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 Fluent Mortgages Horwich?
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. Fluent Mortgages Horwich Limited (FRN 979600) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Fluent Mortgages Horwich's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fluent Mortgages Horwich, 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 Fluent Mortgages Horwich’s phone number and website?
The FCA register lists the phone number 01204 899500 and the website fluentmoney.co.uk/mortgages for Fluent Mortgages Horwich. If you were given different contact details, use these to check with the firm before going any further.
Is Fluent Mortgages Horwich a scam or clone?
Fluent Mortgages Horwich 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 Fluent Mortgages Horwich?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Fluent Mortgages Horwich's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Fluent Mortgages Horwich use any other names?
It trades as Fluent Money and Mortgage Advice Bureau. It has previously used 3 other names: Fluent Lifetime, Fluent Mortgages and Fluent Protect.

Sources and links

The full report on Fluent Mortgages Horwich Limited

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