Marine Mortgages Ltd

Reference number: 780438

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Marine Mortgages Ltd (FRN 780438) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Marine Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Marine 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.

In the full report: 3 background checks

  • When mortgagesforyachtcrew.com first appeared online, and whether it can receive email
  • What kind of line 07773 355523 is
  • Who else gives the postcode CT5 2HE
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Other names (4)

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

  • Cormorant Mortgages Trading name
  • Mortgages for Yacht Crew Trading name
  • Yacht Crew Accounts Ltd Former name
  • Mortages for Yacht Crew Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
10113897
Company status
Active
Company type
Private limited company
Incorporated
8 April 2016 (10 years old)
Registered office
101 Northwood Road, Whitstable, Kent, CT5 2HE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Clare Viner Director Jun 1982 14 Nov 2017 None
Patrick Maflin Director Jan 1981 20 Nov 2024 3 other companies

Other companies run by these 2 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
3
still active
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£138

−99% from £12.0k

Cash at bank

£9,436

−71% from £32.0k

Employees (average)

2

Same as 2

The accounts for the year to 30 April 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £83.6k, for the year to 30 April 2019.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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.

Accounts filed at Companies House for company 10113897. 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

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

Key events (7) All events (19)

2017

22 December 2017

  • Changed its registered name from "Yacht Crew Accounts Ltd"

FCA register

2 June 2017

  • Became an appointed representative

FCA register

20 April 2017

  • Board replaced: its only director left and a new director took over
  • Patrick William Maflin took control (75–100% of shares)
  • Tara Michele Flynn gave up control

Companies House

1 April 2017

  • Tara Michele Flynn took control (75–100% of shares)

Companies House

2016

8 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms like Marine Mortgages

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

In Whitstable

D & P Financial Services LtdWhitstableAppointed representativeMeridian Expat Mortgages LtdWhitstableAppointed representativeMHC Mortgage & Protection LtdWhitstableAppointed 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 Marine Mortgages

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is Marine Mortgages Ltd FCA authorised?
Marine Mortgages Ltd (FRN 780438) 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 Marine 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. Marine Mortgages Ltd (FRN 780438) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Marine Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Marine 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 Marine Mortgages’ phone number and website?
The FCA register lists the phone number 07773 355523 and the website mortgagesforyachtcrew.com for Marine Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Marine Mortgages a scam or clone?
Marine 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 Marine Mortgages?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Marine Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Marine Mortgages?
Companies House lists one person with significant control of Marine Mortgages: Mr Patrick William Maflin (75–100% of shares). Before that, it was controlled by Mrs Tara Michele Flynn.
Who runs Marine Mortgages?
Companies House lists 2 directors of Marine Mortgages: Clare Viner and Patrick Maflin.
How long has Marine Mortgages been in business?
The company was formed on 8 April 2016.
What do Marine Mortgages’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £138 (−99% from £12.0k) and cash at bank of £9,436 (−71% from £32.0k).
Does Marine Mortgages use any other names?
It trades as Cormorant Mortgages and Mortgages for Yacht Crew. It has previously used 2 other names: Yacht Crew Accounts Ltd and Mortages for Yacht Crew.

Sources and links

The full report on Marine Mortgages Ltd

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