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 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 20 March 2025
- Accounts are overdue at Companies House
- On its latest accounts it owed £65.0k more than it owned
Responsible principal firm
Optimum Commercial Solutions Ltd Reference number: 808754 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.
- Lucra Mortgages Ltd (FRN 950073) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Lucra Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Lucra 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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No website on the FCA register
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Phone number
-
Address
Space 365, Tormarton Road, Marshfield, Chippenham, SN14 8SR, United Kingdom
In the full report: 2 background checks
- What kind of line +44 012 259 708 355 is
- Who else gives the postcode SN14 8SR
Other names (1)
If you were contacted under any of these names, it is this firm.
- Lucra Specialist Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions 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, 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.
Concerns on the company record
- Accounts are overdue at Companies House.
- Company name
- LUCRA MORTGAGES LIMITED
- Company number
- 13306132 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 31 March 2021 (5 years old)
- Registered office
- Space 365 Tormarton Road, Marshfield, SN14 8SR, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Benjamin Andrew Tadd | Director | May 1985 | 31 Mar 2021 | 2 other companies |
| Ian Robert Mcgrail | Director | Sep 1979 | 21 Mar 2025 | 12 other companies |
| Gareth John Herbert | Director | Feb 1970 | 22 Sep 2026 | 36 other companies |
Other companies run by these 3 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
- 39
- closed down
- 3
- are FCA-registered
- 14
In the full report: all 39 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 14 on the FCA register, including one no longer authorised
- The 11 companies these 3 directors run together
- All 9 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£65.0k
−156% from £117k
Cash at bank
£216k
+20% from £180k
Employees (average)
17
−5.6% from 18
Owed within a year
£363k
+193% from £124k
Its next accounts are overdue at Companies House.
Net assets are negative: on its last balance sheet the company owed £65.0k more than it owned.
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2022 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 13306132. 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
Lucra Mortgages’s history from the FCA register and Companies House, newest first.
2025
21 March 2025
- Benjamin Andrew Tadd stopped being a part-owner
- First Mortgage Direct Limited took control (75–100% of shares)
- Michael Paul Aldridge stopped being a part-owner
Companies House
2024
20 December 2024
- Benjamin Andrew Tadd became a part-owner (25–50% of shares)
- Michael Paul Aldridge became a part-owner (25–50% of shares)
Companies House
2022
23 August 2022
- Benjamin Andrew Tadd stopped being a part-owner
- Darren James Sharpe stopped being a part-owner
- Neil Catley stopped being a part-owner
Companies House
2021
29 April 2021
- Became an appointed representative
FCA register
31 March 2021
- Incorporated at Companies House
- Benjamin Andrew Tadd became a part-owner (25–50% of shares)
- Darren James Sharpe became a part-owner (25–50% of shares)
- Neil Catley became a part-owner (25–50% of shares)
Companies House
In the full report: all 31 events
- All 31 events in its history (13 shown here)
- Every director appointment and resignation: 15
Firms connected to Lucra Mortgages
Other FCA-listed firms that share a director, phone number or address with Lucra Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 12
In the full report: all 12 connected firms, named
- How each is linked: shared directors (12)
- Who links each one: the named directors, with dates
Firms like Lucra Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Chippenham
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 Lucra Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 39 other companies its directors have run, named
- 2 background checks on its contact details
- 4 years of accounts, charted
- All 31 events in its history
- 12 connected firms, named, and who links them
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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