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 19 years
- Protected through the principal
- No FCA actions
- Active company since 2006
- Accounts filed up to 31 October 2025
- On its latest accounts it owed £2,322 more than it owned
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Mortgage Advice Partnership Ltd. (FRN 463856) is an AR of First Complete Limited (FRN 435779). When you use Mortgage Advice Partnership's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Advice Partnership, 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
34 Fullarton Crescent, Troon, South Ayrshire, KA10 6LL, United Kingdom
In the full report: 2 background checks
- What kind of line 01292 317214 is, and the other firm that gives it
- Who else gives the postcode KA10 6LL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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
- SC309712 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 October 2006 (20 years old)
- Registered office
- 34 Fullarton Crescent, Troon, KA10 6LL, Scotland
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Donald George Paterson | Director | Nov 1958 | 5 Oct 2006 | 18 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
- 18
- closed down
- 14
- is FCA-registered
- 1
In the full report: all 18 companies, 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
- The one on the FCA register
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£2,322
Down £2,451 from £129
Cash at bank
£1,788
−91% from £19.1k
Owed within a year
£26.7k
<1% from £27.0k
Total equity is negative: on its last balance sheet the company owed £2,322 more than it owned.
Total equity
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
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 SC309712. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Mortgage Advice Partnership’s history from the FCA register and Companies House, newest first.
2026
7 January 2026
- Robert Russell Pearson stopped being a part-owner
Companies House
2025
18 December 2025
- Changed its registered name from "Mortgage Advice Partnership Ltd"
FCA register
2022
31 October 2022
- Robert Russell Pearson became a part-owner (25–50% of shares)
Companies House
2016
5 October 2016
- Donald George Paterson gained significant control
Companies House
2007
12 February 2007
- Became an appointed representative
FCA register
2006
5 October 2006
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (6 shown here)
- Every director appointment and resignation: 9
Firms connected to Mortgage Advice Partnership
Other FCA-listed firms that share a director, phone number or address with Mortgage Advice Partnership. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Mortgage Advice Partnership
Other firms of the same type (mortgage adviser or broker), nearest first.
In Troon
In the Kilmarnock (KA) postcode area
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 Mortgage Advice Partnership
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 18 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 15 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Mortgage Advice Partnership Ltd. FCA authorised?
What does appointed representative mean for Mortgage Advice Partnership?
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Is Mortgage Advice Partnership a scam or clone?
Is my money safe with Mortgage Advice Partnership?
Who owns Mortgage Advice Partnership?
Who runs Mortgage Advice Partnership?
How long has Mortgage Advice Partnership been in business?
What do Mortgage Advice Partnership’s latest accounts show?
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