Mandy Smith Mortgage Adviser Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 6 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 28 February 2026

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

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

07711 300796
Address

Burnside, Auchreddie Road West, New Deer, Turriff, Aberdeenshire, AB53 6TZ, United Kingdom

In the full report: 3 background checks

When mandysmithmortgages.co.uk first appeared online, and whether it can receive email
What kind of line 07711 300796 is
Who else gives the postcode AB53 6TZ

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (10 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: SC589748 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 23 February 2018 (8 years old)
Registered office: Bank House, Seaforth Street, Fraserburgh, AB43 9BB, Scotland
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Mandy Eccles Smith	Director	Oct 1964	23 Feb 2018	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
still active: 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 28 February 2026Small company accountsNot audited

Net assets

£275k

Up £261k from £14.4k

Cash at bank

£74.3k

−21% from £94.1k

Employees (average)

4

Same as 4

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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 SC589748. 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

Mandy Smith Mortgage Adviser’s history from the FCA register and Companies House, newest first.

2023

6 November 2023

FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

2020

21 April 2020

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2018

23 February 2018

Incorporated at Companies House
Mandy Smith Holdings Limited took control (75–100% of shares)
Mandy Eccles Smith appointed as a director

Companies House

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

Firms like Mandy Smith Mortgage Adviser

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

In the Aberdeen (AB) postcode area

Aberdein Considine LLPAberdeenAuthorised A.C. Morrison & Richards LLPAberdeenAuthorised Callum PirieBuckieAuthorised Financialshield Group LimitedFraserburghAuthorised Gail Reid Mortgage Services LtdInverurieAuthorised John CarrAberdeenAuthorised

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 Mandy Smith Mortgage Adviser

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
7 years of accounts, charted
All 6 events in its history

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Frequently asked questions about this firm

Is Mandy Smith Mortgage Adviser Limited FCA authorised?

Yes, Mandy Smith Mortgage Adviser Limited (FRN 913963) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2020 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Mandy Smith Mortgage Adviser’s phone number and website?

The FCA register lists the phone number 07711 300796 and the website mandysmithmortgages.co.uk for Mandy Smith Mortgage Adviser. If you were given different contact details, use these to check with the firm before going any further.

Is Mandy Smith Mortgage Adviser a scam or clone?

Mandy Smith Mortgage Adviser 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 Mandy Smith Mortgage Adviser?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Mandy Smith Mortgage Adviser to the Financial Ombudsman Service, free of charge.

Who owns Mandy Smith Mortgage Adviser?

Mandy Smith Mortgage Adviser is owned by Mandy Smith Holdings Limited, which holds 75–100% of shares, 75–100% of votes and held through a firm, since 23 February 2018.

Who runs Mandy Smith Mortgage Adviser?

Companies House lists one director of Mandy Smith Mortgage Adviser: Mandy Eccles Smith.

How long has Mandy Smith Mortgage Adviser been in business?

The company was formed on 23 February 2018, and has held its current FCA authorisation since April 2020.

What do Mandy Smith Mortgage Adviser’s latest accounts show?

Its latest accounts, to 28 February 2026, show net assets of £275k (up £261k from £14.4k) and cash at bank of £74.3k (−21% from £94.1k).