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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 July 2025
Responsible principal firm
Britannia Financial (UK) Limited Reference number: 776344 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.
- Lifemortgage UK Ltd (FRN 784210) is an AR of Britannia Financial (UK) Limited (FRN 776344). When you use Lifemortgage UK's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Lifemortgage UK, 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
31 Burrell Street, Crieff, Perth and Kinross, PH7 4DT, United Kingdom
In the full report: 2 background checks
- What kind of line 01764 656055 is, and the other firm that gives it
- Who else gives the postcode PH7 4DT
Other names (2)
If you were contacted under any of these names, it is this firm.
- Equity Release Scotland.Org Trading name: A name it trades under now.
- Equity Release Scotland.Gov Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Britannia Financial (UK) 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 name
- LIFEMORTGAGE UK LIMITED
- Company number
- SC570501 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 July 2017 (9 years old)
- Registered office
- 23 Brighouse Park Cross, Edinburgh, EH4 6GZ, Scotland
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Alastair George Shields | Director | Nov 1964 | 5 Jul 2017 | 3 other companies |
| Anthony Doherty | Director | Oct 1961 | 6 Sep 2018 | 9 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
- 12
- closed down
- 10
- is FCA-registered
- 1
In the full report: all 12 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
£100
Same as £100
Cash at bank
£0
Same as £0
These accounts were filed as dormant: the company reported no significant trading in the period.
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- 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 SC570501. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Lifemortgage UK’s history from the FCA register and Companies House, newest first.
2017
13 July 2017
- Became an appointed representative
FCA register
5 July 2017
- Incorporated at Companies House
- Anthony Doherty became a part-owner (25–50% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (3 shown here)
- Every director appointment and resignation: 2
Firms connected to Lifemortgage UK
Other FCA-listed firms that share a director, phone number or address with Lifemortgage UK. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its phone number
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same phone number (1)
- Who links each one: the named directors, with dates
Firms like Lifemortgage UK
Other firms of the same type (insurance broker), nearest first.
In Crieff
In the Perth (PH) postcode area
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 Lifemortgage UK
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 12 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 8 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Does Lifemortgage UK 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