Genesis Mortgages Ltd
Reference number: 475379
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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.
- Appointed for 18 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 March 2026
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- Genesis Mortgages Ltd (FRN 475379) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Genesis Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Genesis 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.
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Phone number
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Address
3 High Street, Harlow, Essex, CM17 0DN, United Kingdom
In the full report: 3 background checks
- When genesisfs.co.uk first appeared online, and whether it can receive email
- What kind of line 01279 422422 is
- Who else gives the postcode CM17 0DN
Other names (3)
If you were contacted under any of these names, it is this firm.
- Genesis Financial Services Trading name: A name it trades under now.
- Colin Chapman Former name: A name it was registered under before.
- www.genesisfs.co.uk Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 07546711 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 March 2011 (15 years old)
- Registered office
- Matches the FCA register address ✓
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Colin Chapman | Director | Mar 1974 | 1 Mar 2011 | None |
| Fiona Jane Chapman | Director | Apr 1979 | 1 Mar 2011 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£1.79m
+7.1% from £1.67m
Cash at bank
£910k
+11% from £819k
Owed within a year
£108k
+130% from £46.9k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- The chart, over every year
- Every filed figure, year by year
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 07546711. 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
Genesis Mortgages’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Colin Chapman became a part-owner (25–50% of shares)
- Fiona Jane Chapman became a part-owner (25–50% of shares)
Companies House
2011
4 April 2011
- Changed its registered name from "Colin Chapman"
FCA register
1 March 2011
- Incorporated at Companies House
Companies House
2007
5 December 2007
- Changed its registered name from "Genesis Financial Services"
FCA register
19 November 2007
- Became an appointed representative
FCA register
In the full report: all 11 events
- All 11 events in its history (6 shown here)
- Every director appointment and resignation: 2
Firms like Genesis Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Harlow
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 Genesis 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
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
Is Genesis Mortgages Ltd FCA authorised?
What does appointed representative mean for Genesis Mortgages?
What is Genesis Mortgages’ phone number and website?
Is Genesis Mortgages a scam or clone?
Is my money safe with Genesis Mortgages?
Who owns Genesis Mortgages?
Who runs Genesis Mortgages?
How long has Genesis Mortgages been in business?
What do Genesis Mortgages’ latest accounts show?
Does Genesis Mortgages use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk