Keys Mortgages Ltd

Reference number: 970798

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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

New Leaf Distribution Limited Reference number: 460421 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.
  • Keys Mortgages Ltd (FRN 970798) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Keys Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Keys 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.

  • No website on the FCA register

  • Phone number

    01702 431130

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    46 Windsor Street, Burbage, Hinckley, Leicestershire, LE10 2EF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01702 431130 is, and the 152 other firms that give it
  • Who else gives the postcode LE10 2EF
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Other names (1)

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

  • Keys Mortgages Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through New Leaf Distribution 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
13351926
Company status
Active
Company type
Private limited company
Incorporated
22 April 2021 (5 years old)
Registered office
46 Windsor Street, Burbage, Hinckley, LE10 2EF, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Cheryl Anne Williams Director Jun 1993 22 Apr 2021 None
Amy Helen Zakary Director Nov 1986 22 Apr 2021 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£25.0k

+94% from £12.9k

Employees (average)

2

Same as 2

Owed within a year

£47.9k

+60% from £30.0k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 13351926. 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

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

2024

6 June 2024

  • Changed its registered name from "Keys Mortgages"

FCA register

2022

25 February 2022

  • Became an appointed representative

FCA register

2021

22 April 2021

  • Incorporated at Companies House
  • Amy Helen Zakary became a part-owner (25–50% of shares)
  • Cheryl Anne Williams became a part-owner (25–50% of shares)
  • Amy Helen Zakary appointed as a director
  • Cheryl Anne Williams appointed as a director

Companies House

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

Firms connected to Keys Mortgages

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

connected firms
12
share its phone number
12

In the full report: all 12 connected firms, named

  • How each is linked: the same phone number (12)
  • Who links each one: the named directors, with dates
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Firms like Keys Mortgages

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

In Hinckley

Armstrongs Mortgage Solutions LimitedHinckleyAppointed representativeBubble Finance Hub LimitedHinckleyAppointed representativeOne Roof Financial LLPHinckleyAppointed representativeTom Garvie Mortgage Services LimitedHinckleyAppointed representativeSmart Home Finance LimitedHinckleyAuthorisedThomas & Co Mortgage Advice LtdHinckleyAuthorised

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 Keys 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
  • 5 years of accounts, charted
  • All 7 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Keys Mortgages Ltd FCA authorised?
Keys Mortgages Ltd (FRN 970798) 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 Keys 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. Keys Mortgages Ltd (FRN 970798) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Keys Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Keys 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 Keys Mortgages’ phone number?
The FCA register lists the phone number 01702 431130 for Keys Mortgages. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 152 other FCA firms, one of which is no longer authorised.
Is Keys Mortgages a scam or clone?
Keys 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 Keys Mortgages?
Protection works through New Leaf Distribution Limited, the principal firm responsible for Keys Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Keys Mortgages?
Companies House lists 2 people with significant control of Keys Mortgages: Miss Amy Helen Zakary (25–50% of shares) and Miss Cheryl Anne Williams (25–50% of shares).
Who runs Keys Mortgages?
Companies House lists 2 directors of Keys Mortgages: Cheryl Anne Williams and Amy Helen Zakary.
How long has Keys Mortgages been in business?
The company was formed on 22 April 2021.
What do Keys Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £25.0k (+94% from £12.9k).
Does Keys Mortgages use any other names?
It has previously used the name Keys Mortgages.

Sources and links

The full report on Keys Mortgages Ltd

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