Holiday Cottage Mortgages Limited

Reference number: 828972

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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

JULIAN HARRIS ADVISER NETWORK LIMITED Reference number: 304155 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.
  • Holiday Cottage Mortgages Limited (FRN 828972) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use Holiday Cottage Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Holiday Cottage 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.

In the full report: 3 background checks

  • When holidaycottagemortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01372 502001 is
  • Who else gives the postcode KT22 7AH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Julian Harris Adviser Network 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
11535623
Company status
Active
Company type
Private limited company
Incorporated
24 August 2018 (8 years old)
Registered office
Freedom Works, Bull Hill, Leatherhead, KT22 7AH, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew James Soye Director Aug 1973 24 Aug 2018 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£90.0k

+15% from £78.0k

Cash at bank

£41.0k

+7.8% from £38.1k

Employees (average)

3

−25% from 4

Owed within a year

£5,082

−84% from £32.6k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, 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.

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

Accounts filed at Companies House for company 11535623. 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

Holiday Cottage Mortgages’s history from the FCA register and Companies House, newest first.

2018

18 December 2018

  • Became an appointed representative

FCA register

24 August 2018

  • Incorporated at Companies House
  • Andrew James Soye took control (75–100% of shares)
  • Andrew James Soye appointed as a director

Companies House

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

Firms like Holiday Cottage Mortgages

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

In Leatherhead

Model Financial Solutions LimitedLeatherheadAppointed representativeStephen GarrettLeatherheadAppointed representativeC.r. Toogood & Co. LimitedLeatherheadAuthorisedCapital Financial ConsultantsLeatherheadAuthorised

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 Holiday Cottage 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
  • 6 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is Holiday Cottage Mortgages Limited FCA authorised?
Holiday Cottage Mortgages Limited (FRN 828972) 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 Holiday Cottage 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. Holiday Cottage Mortgages Limited (FRN 828972) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use Holiday Cottage Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Holiday Cottage 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 Holiday Cottage Mortgages’ phone number and website?
The FCA register lists the phone number 01372 502001 and the website holidaycottagemortgages.co.uk for Holiday Cottage Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Holiday Cottage Mortgages a scam or clone?
Holiday Cottage 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 Holiday Cottage Mortgages?
Protection works through Julian Harris Adviser Network Limited, the principal firm responsible for Holiday Cottage Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Holiday Cottage Mortgages?
Companies House lists one person with significant control of Holiday Cottage Mortgages: Mr Andrew James Soye (75–100% of shares).
Who runs Holiday Cottage Mortgages?
Companies House lists one director of Holiday Cottage Mortgages: Andrew James Soye.
How long has Holiday Cottage Mortgages been in business?
The company was formed on 24 August 2018.
What do Holiday Cottage Mortgages’ latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £90.0k (+15% from £78.0k) and cash at bank of £41.0k (+7.8% from £38.1k).

Sources and links

The full report on Holiday Cottage Mortgages Limited

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