Mortgage and Co UK Ltd

Reference number: 1016914

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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

The Right Mortgage Limited Reference number: 649443 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.
  • Mortgage and Co UK Ltd (FRN 1016914) is an AR of The Right Mortgage Limited (FRN 649443). When you use Mortgage and Co UK's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgage and Co UK, 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.

  • No website on the FCA register

  • Phone number

    07877 260701

  • Address

    Unit 6, Clements Arcade 9-11, Broadway, Leigh-On-Sea, Southend-On-Sea, SS9 1PA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07877 260701 is
  • Who else gives the postcode SS9 1PA
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Other names (3)

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

  • Mortgage & Co Trading name
  • Protection & Co Trading name
  • Red Equity Release Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
15802645
Company status
Active
Company type
Private limited company
Incorporated
25 June 2024 (2 years old)
Registered office
Unit 6 9-11 The Broadway, Leigh-On-Sea, SS9 1PA, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel Lee Edwards Director Sep 1984 25 Jun 2024 1 other company
Richard Sharpe Director Jun 1990 25 Jun 2024 None
Billy Glen Wilkinson Director May 1993 25 Jun 2024 1 other company

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
2
still active
2

In the full report: all 2 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
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£6,355

No earlier figure to compare

Cash at bank

£139

No earlier figure to compare

Employees (average)

3

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £6,355 more than it owned.

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 15802645. 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

Mortgage and Co UK’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2024

21 August 2024

  • Became an appointed representative

FCA register

25 June 2024

  • Incorporated at Companies House
  • Billy Glen Wilkinson became a part-owner (25–50% of shares)
  • Daniel Lee Edwards became a part-owner (25–50% of shares)
  • Richard Sharpe became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Mortgage and Co UK

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

In Leigh-On-Sea

MH Health Benefits LimitedLeigh-on-SeaAppointed representativePMR Financial Solutions LimitedLeigh-on-seaAppointed representativeRate Financial LtdLeigh-On-SeaAppointed representativeSouthern Mortgages (Essex) LtdLeigh-On-SeaAppointed representativeThe Mortgage Mum LimitedLeigh-On-SeaAppointed representativeThe Prime Mortgage Company LimitedLeigh-On-SeaAppointed 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 Mortgage and Co UK

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 11 events in its history

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Frequently asked questions about this firm

Is Mortgage and Co UK Ltd FCA authorised?
Mortgage and Co UK Ltd (FRN 1016914) 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 Mortgage and Co UK?
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 and Co UK Ltd (FRN 1016914) is an AR of The Right Mortgage Limited (FRN 649443). When you use Mortgage and Co UK's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage and Co UK, 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 Mortgage and Co UK’s phone number?
The FCA register lists the phone number 07877 260701 for Mortgage and Co UK. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage and Co UK a scam or clone?
Mortgage and Co UK 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 Mortgage and Co UK?
Protection works through The Right Mortgage Limited, the principal firm responsible for Mortgage and Co UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mortgage and Co UK?
Companies House lists 3 people with significant control of Mortgage and Co UK: Mr Billy Glen Wilkinson (25–50% of shares), Mr Richard Sharpe (25–50% of shares) and Mr Daniel Lee Edwards (25–50% of shares).
Who runs Mortgage and Co UK?
Companies House lists 3 directors of Mortgage and Co UK: Daniel Lee Edwards, Richard Sharpe and Billy Glen Wilkinson.
How long has Mortgage and Co UK been in business?
The company was formed on 25 June 2024.
What do Mortgage and Co UK’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£6,355 (no earlier figure to compare) and cash at bank of £139 (no earlier figure to compare).
Does Mortgage and Co UK use any other names?
It trades as Mortgage & Co, Protection & Co and Red Equity Release.

Sources and links

The full report on Mortgage and Co UK Ltd

£19.99 · Instant PDF download

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