Lighthouse Mortgages Limited

Reference number: 1063416

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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

The Right Mortgage Limited Reference number: 649443 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.
  • LIGHTHOUSE MORTGAGES LIMITED (FRN 1063416) is an AR of The Right Mortgage Limited (FRN 649443). When you use LIGHTHOUSE MORTGAGES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LIGHTHOUSE 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

    07394 226610

  • Address

    16 Lower Seedley Road, Salford, Salford, M6 5WL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07394 226610 is
  • Who else gives the postcode M6 5WL
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
17363344
Company status
Active
Company type
Private limited company
Incorporated
27 July 2026 (less than a year old)
Registered office
16 Lower Seedley Road, Salford, M6 5WL, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Vinoja Ratnasingam Director Jul 1989 27 Jul 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

2026

18 September 2026

  • Became an appointed representative

FCA register

27 July 2026

  • Incorporated at Companies House
  • Vinoja Ratnasingam took control (75–100% of shares)
  • Vinoja Ratnasingam appointed as a director

Companies House

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

Firms like Lighthouse Mortgages

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

In Salford

Capital Connections (Mcr) LtdSalfordAppointed representativeHillview Finance LimitedSalfordAppointed representativeVerona Mortgages LimitedSalfordAppointed representativeWorkerbee Mortgages LimitedSalfordAppointed representativePrime Plus Mortgages LtdSalfordAuthorisedOxley Finance LimitedSalfordAuthorised

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 Lighthouse 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 4 events in its history

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Frequently asked questions about this firm

Is Lighthouse Mortgages Limited FCA authorised?
Lighthouse Mortgages Limited (FRN 1063416) 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 Lighthouse 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. Lighthouse Mortgages Limited (FRN 1063416) is an AR of The Right Mortgage Limited (FRN 649443). When you use Lighthouse Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lighthouse 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 Lighthouse Mortgages’ phone number?
The FCA register lists the phone number 07394 226610 for Lighthouse Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Lighthouse Mortgages a scam or clone?
Lighthouse 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 Lighthouse Mortgages?
Protection works through The Right Mortgage Limited, the principal firm responsible for Lighthouse Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lighthouse Mortgages?
Companies House lists one person with significant control of Lighthouse Mortgages: Miss Vinoja Ratnasingam (75–100% of shares).
Who runs Lighthouse Mortgages?
Companies House lists one director of Lighthouse Mortgages: Vinoja Ratnasingam.
How long has Lighthouse Mortgages been in business?
The company was formed on 27 July 2026.

Sources and links

The full report on Lighthouse Mortgages Limited

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