Lock and Key Mortgages Ltd: FCA regulated?

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 2 years
Protected through the principal
No FCA actions
Active company since 2023
Accounts filed up to 31 March 2026

Responsible principal firm

THE CHOICE IFA NETWORK LTD Reference number: 440484 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.
Lock and Key Mortgages Ltd (FRN 1006129) is an AR of THE CHOICE IFA NETWORK LTD (FRN 440484). When you use Lock and Key Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Lock and Key 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.

Website

lockandkeymortgages.co.uk (opens in a new tab)
Phone number

0800 046 3538
Address

Unit 2, Manor Farm Offices, Flexford Road, North Baddesley, Southampton, Hampshire, SO52 9DF, United Kingdom

In the full report: 3 background checks

When lockandkeymortgages.co.uk first appeared online, and whether it can receive email
What kind of line 0800 046 3538 is
Who else gives the postcode SO52 9DF

FCA permissions and consumer protection

Protection through the principal firm
Protection works through The Choice IFA Network 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, 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: 15259257 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 November 2023 (2 years old)
Registered office: 132a Bournemouth Road, Chandlers Ford, Eastleigh, SO53 3AL, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Graham Lock	Director	Mar 1980	3 Nov 2023	1 other company

Other companies run by its director

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 company: 1
closed down: 1

In the full report: all 1 company, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£6,165

−15% from £7,212

Cash at bank

£8,972

+13% from £7,937

Employees (average)

2

Same as 2

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 15259257. 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

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

2023

30 November 2023

Became an appointed representative

FCA register

3 November 2023

Incorporated at Companies House
Graham Lock took control (75–100% of shares)
Graham Lock appointed as a director

Companies House

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

Firms connected to Lock and Key Mortgages

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

connected firms: 5
share its postcode: 5

In the full report: all 5 connected firms, named

How each is linked: the same postcode (5)
Who links each one: the named directors, with dates

Firms like Lock and Key Mortgages

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

In Southampton

John Charcol Mortgages LtdSouthamptonAppointed representative Wisely Financial Services LimitedSouthamptonAppointed representative Across the Market Mortgages LimitedSouthamptonAppointed representative Albion Forest LimitedSouthamptonAppointed representative Anchor Financial Advisory LimitedSouthamptonAppointed representative Apple Tree Mortgage Services LtdSouthamptonAppointed 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 Lock and Key Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

1 other company its directors have run, named
3 background checks on its contact details
All 4 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lock and Key Mortgages Ltd FCA authorised?

Lock and Key Mortgages Ltd (FRN 1006129) 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 Lock and Key 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. Lock and Key Mortgages Ltd (FRN 1006129) is an AR of THE CHOICE IFA NETWORK LTD (FRN 440484). When you use Lock and Key Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lock and Key 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 Lock and Key Mortgages’ phone number and website?

The FCA register lists the phone number 0800 046 3538 and the website lockandkeymortgages.co.uk for Lock and Key Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Lock and Key Mortgages a scam or clone?

Lock and Key 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 Lock and Key Mortgages?

Protection works through The Choice IFA Network Ltd, the principal firm responsible for Lock and Key Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Lock and Key Mortgages?

Companies House lists one person with significant control of Lock and Key Mortgages: Mr Graham Lock (75–100% of shares).

Who runs Lock and Key Mortgages?

Companies House lists one director of Lock and Key Mortgages: Graham Lock.

How long has Lock and Key Mortgages been in business?

The company was formed on 3 November 2023.

What do Lock and Key Mortgages’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £6,165 (−15% from £7,212) and cash at bank of £8,972 (+13% from £7,937).