Lomond Mortgages Limited
Reference number: 628711
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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.
- Appointed for 12 years
- Protected through the principal
- No FCA actions
- Active company since 2010
- Accounts filed up to 31 December 2021
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- Lomond Mortgages Limited (FRN 628711) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Lomond Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Lomond 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.
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Phone number
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Address
16-18, Lloyd Street, Altrincham, Cheshire, WA14 2DE, United Kingdom
In the full report: 3 background checks
- When lomondmortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 0131 624 6919 is
- Who else gives the postcode WA14 2DE
Other names (2)
If you were contacted under any of these names, it is this firm.
- Lomond Mortgage Services Trading name: A name it trades under now.
- Lomond Protection Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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 number
- SC390469 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 December 2010 (15 years old)
- Registered office
- 23 Alva Street, Edinburgh, EH2 4PS, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stuart Macpherson Pender | Director | Jun 1965 | 8 Dec 2015 | 111 other companies |
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 companies
- 111
- closed down
- 80
- went insolvent
- 1
In the full report: all 111 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The one that went into liquidation or administration
- The 7 on the FCA register
- All 11 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£141k
+49% from £94.5k
Employees (average)
8
Same as 8
Owed within a year
£147k
+155% from £57.7k
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 SC390469. 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
Lomond Mortgages’s history from the FCA register and Companies House, newest first.
2024
8 March 2024
- The Pender Family Investment Company (Scotland) Limited took control (75–100% of shares)
Companies House
2020
19 December 2020
- Lomond Capital No.1 Ltd gave up control
- Lomond Capital No.1 Ltd took control (75–100% of shares)
- Lomond Property Lettings Limited gave up control
- The Pender Family Investment Company (Scotland) Limited took control (75–100% of shares)
Companies House
2016
6 April 2016
- Lomond Property Lettings Limited took control (75–100% of shares)
Companies House
2014
21 July 2014
- Became an appointed representative
FCA register
29 May 2014
- Board replaced: all 3 directors left and 3 new directors took over
Companies House
2010
16 December 2010
- Incorporated at Companies House
Companies House
In the full report: all 37 events
- All 37 events in its history (9 shown here)
- Every director appointment and resignation: 23
Firms connected to Lomond Mortgages
Other FCA-listed firms that share a director, phone number or address with Lomond Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (1)
- Who links each one: the named directors, with dates
- 5 past links through former directors
Firms like Lomond Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Altrincham
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 Lomond Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 111 other companies its directors have run, named
- 3 background checks on its contact details
- All 37 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Lomond Mortgages Limited FCA authorised?
What does appointed representative mean for Lomond Mortgages?
What is Lomond Mortgages’ phone number and website?
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Is my money safe with Lomond Mortgages?
Who owns Lomond Mortgages?
Who runs Lomond Mortgages?
How long has Lomond Mortgages been in business?
What do Lomond Mortgages’ latest accounts show?
Does Lomond Mortgages 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