Gemini Consultants Limited

Reference number: 311479

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 geminimortgageservices.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 311 2691 is
  • Who else gives the postcode LU1 2SJ
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Other names (9)

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

  • Better HomeOwnership Trading name
  • BHO Mortgage Trading name
  • Gable Mortgages Trading name
  • Gemini Mortgage Services Trading name
  • Goodholm Finance Trading name
  • Bradwells Former trading name
  • Goodholm Former trading name
  • Lamac (Loan & Mortgage Administration Centre) Former trading name
  • Libra Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (15 permissions)
  • Administering a regulated mortgage contract
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-collecting
  • Entering into a regulated mortgage contract as lender
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
02088382
Company status
Active
Company type
Private limited company
Incorporated
12 January 1987 (39 years old)
Registered office
Aw House, 6-8 Stuart Street, Luton, LU1 2SJ, England
Nature of business
  • Business and domestic software development (SIC 62012)
  • Activities of mortgage finance companies (SIC 64922)
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen John Richardson Director Jan 1953 1 May 2017 20 other companies
Duncan Redford Pownall Director Apr 1975 30 Mar 2023 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
21
closed down
9
went insolvent
1

In the full report: all 21 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 3 on the FCA register, including one no longer authorised
  • The 1 company these 2 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£627k

−29% from £880k

Cash at bank

£124k

−59% from £302k

Owed within a year

£1.84m

+704% from £228k

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £590k turnover and £143k profit, for the year to 31 March 2023.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • Both charts, 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 02088382. 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

Gemini Consultants’s history from the FCA register and Companies House, newest first.

Key events (13) All events (43)

2023

6 January 2023

  • Thomas Colclough stopped being the majority owner

Companies House

2020

24 November 2020

  • Goodholm Finance Limited took control (75–100% of shares)

Companies House

2017

1 April 2017

  • Thomas Colclough became the majority owner (50–75% of shares)

Companies House

31 March 2017

  • Board replaced: both directors left and 3 new directors took over
  • Clifford Alan Ranson stopped being a part-owner
  • Robert John Baker stopped being a part-owner

Companies House

2016

12 July 2016

  • Clifford Alan Ranson became a part-owner (25–50% of shares)
  • Robert John Baker became a part-owner (25–50% of shares)

Companies House

11 February 2016

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1987

12 January 1987

  • Incorporated at Companies House

Companies House

In the full report: all 43 events

  • All 43 events in its history (13 shown here)
  • Every director appointment and resignation: 14
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Firms connected to Gemini Consultants

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

connected firm
1
share its postcode
1
past links
3

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 3 past links through former directors
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Firms like Gemini Consultants

Other firms of the same type (mortgage lender), nearest first.

Elsewhere in the UK

LGT Bank AGVaduzAuthorisedRothschild & Co Wealth Management UK LimitedLondonAuthorisedSocial Money LimitedGreater ManchesterAuthorisedAccord Mortgages LimitedBradfordAuthorisedOctopus Investments LimitedLondonAuthorisedPhoenix Group Management Services LimitedBirminghamAuthorised

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 Gemini Consultants

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

  • 21 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 43 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Gemini Consultants Limited FCA authorised?
Yes, Gemini Consultants Limited (FRN 311479) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage lender. The FCA has placed a limit on what it may do.
What is Gemini Consultants’ phone number and website?
The FCA register lists the phone number 0330 311 2691 and the website geminimortgageservices.co.uk for Gemini Consultants. If you were given different contact details, use these to check with the firm before going any further.
Is Gemini Consultants a scam or clone?
Gemini Consultants 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 Gemini Consultants?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Gemini Consultants to the Financial Ombudsman Service, free of charge.
Who owns Gemini Consultants?
Gemini Consultants is owned by Goodholm Finance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 24 November 2020. Before that, it was controlled by Mr Thomas Colclough, Mr Clifford Alan Ranson and Mr Robert John Baker.
Who runs Gemini Consultants?
Companies House lists 2 directors of Gemini Consultants: Stephen John Richardson and Duncan Redford Pownall.
How long has Gemini Consultants been in business?
The company was formed on 12 January 1987, and has held its current FCA authorisation since October 2004.
What do Gemini Consultants’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £627k (−29% from £880k) and cash at bank of £124k (−59% from £302k).
Does Gemini Consultants use any other names?
It trades as Better HomeOwnership, BHO Mortgage, Gable Mortgages, Gemini Mortgage Services and Goodholm Finance. It has previously used 4 other names, including Bradwells, Goodholm and Lamac (Loan & Mortgage Administration Centre).

Sources and links

The full report on Gemini Consultants Limited

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