Lincoln Willows Ltd

Reference number: 1006572

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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

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
  • Lincoln Willows Ltd (FRN 1006572) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Lincoln Willows's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lincoln Willows, 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 billsomers.co.uk first appeared online, and whether it can receive email
  • What kind of line 01952 424878 is
  • Who else gives the postcode TF10 9FD
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Other names (2)

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

  • Somers Mortgages Trading name
  • Bill Somers Mortgage and Insurance Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Intelligence 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
14669159
Company status
Active
Company type
Private limited company
Incorporated
16 February 2023 (3 years old)
Registered office
20 Barnfield Close, Church Aston, Newport, TF10 9FD, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
James Adam Somers Director Dec 1986 16 Feb 2023 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 March 2026Micro-entity accountsNot audited

Net assets

£26.4k

+70% from £15.6k

Employees (average)

1

Same as 1

Owed within a year

£15.1k

+670% from £1,957

Assets and liabilities

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 14669159. 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

Lincoln Willows’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2023

21 December 2023

  • Became an appointed representative

FCA register

16 February 2023

  • Incorporated at Companies House
  • James Adam Somers took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like Lincoln Willows

Other firms of the same type (insurance broker), nearest first.

In Newport

Amber Shield Finance LtdNewportAppointed representativeColumbus Forty Five LimitedNewportAppointed representativeG L Griffiths & A J WilksNewportAppointed representativeIdeal Marketing Solutions LtdNewportAppointed representativePerky People Financial Services LtdNewportAppointed representativePRJ Financial Planning LimitedNewportAppointed representative

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 Lincoln Willows

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
  • All 7 events in its history

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Frequently asked questions about this firm

Is Lincoln Willows Ltd FCA authorised?
Lincoln Willows Ltd (FRN 1006572) 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 Lincoln Willows?
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. Lincoln Willows Ltd (FRN 1006572) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Lincoln Willows's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lincoln Willows, 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 Lincoln Willows’ phone number and website?
The FCA register lists the phone number 01952 424878 and the website billsomers.co.uk for Lincoln Willows. If you were given different contact details, use these to check with the firm before going any further.
Is Lincoln Willows a scam or clone?
Lincoln Willows 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 Lincoln Willows?
Protection works through Mortgage Intelligence Limited, the principal firm responsible for Lincoln Willows's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lincoln Willows?
Companies House lists one person with significant control of Lincoln Willows: Mr James Adam Somers (75–100% of shares).
Who runs Lincoln Willows?
Companies House lists one director of Lincoln Willows: James Adam Somers.
How long has Lincoln Willows been in business?
The company was formed on 16 February 2023.
What do Lincoln Willows’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £26.4k (+70% from £15.6k).
Does Lincoln Willows use any other names?
It trades as Somers Mortgages. It has previously used the name Bill Somers Mortgage and Insurance Services.

Sources and links

The full report on Lincoln Willows Ltd

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