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 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 December 2025
Responsible principal firm
Beneficial Ltd Reference number: 736655 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.
- Howzit Mortgages Limited (FRN 1003379) is an AR of Beneficial Ltd (FRN 736655). When you use Howzit Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Howzit 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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No website on the FCA register
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Phone number
-
Address
Middleborough House, 16 Middleborough, Colchester, Essex, CO1 1QT, United Kingdom
In the full report: 2 background checks
- What kind of line 07510 613701 is
- Who else gives the postcode CO1 1QT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Beneficial Ltd, 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
- 15150242 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 September 2023 (3 years old)
- Registered office
- Middleborough House, 16 Middleborough, Colchester, CO1 1QT, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Ian Cornelius | Director | Sep 1979 | 20 Sep 2023 | None |
| Ross Alex Boulding | Director | Feb 1981 | 1 Dec 2023 | 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
£17.3k
+71% from £10.1k
Cash at bank
£95.2k
+18% from £81.0k
Employees (average)
2
+100% from 1
Owed within a year
£79.0k
+8.3% from £72.9k
Net assets
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 15150242. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Howzit Mortgages’s history from the FCA register and Companies House, newest first.
2023
1 December 2023
- Ross Alex Boulding became a part-owner (25–50% of shares)
- Ross Alex Boulding appointed as a director
Companies House
25 October 2023
- Became an appointed representative
FCA register
20 September 2023
- Incorporated at Companies House
- James Ian Cornelius became a part-owner (25–50% of shares)
- James Ian Cornelius appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Howzit Mortgages
Other FCA-listed firms that share a director, phone number or address with Howzit Mortgages. 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
Firms like Howzit Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Colchester
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 Howzit 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
- 2 background checks on its contact details
- All 6 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Howzit Mortgages Limited FCA authorised?
What does appointed representative mean for Howzit Mortgages?
What is Howzit Mortgages’ phone number?
Is Howzit Mortgages a scam or clone?
Is my money safe with Howzit Mortgages?
Who owns Howzit Mortgages?
Who runs Howzit Mortgages?
How long has Howzit Mortgages been in business?
What do Howzit Mortgages’ latest accounts show?
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