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 18 years
- Protected through the principal
- No FCA actions
- Active company since 2007
- Accounts filed up to 30 September 2025
Responsible principal firm
The Right Mortgage Limited Reference number: 649443 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 Central Ltd (FRN 475553) is an AR of The Right Mortgage Limited (FRN 649443). When you use Mortgage Central's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Central, 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
Unit A Swains Farm Buildings, 89 The Street, Little Clacton, Essex, CO16 9LT, United Kingdom
In the full report: 2 background checks
- What kind of line 01255 862562 is
- Who else gives the postcode CO16 9LT
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- 06366971 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 September 2007 (19 years old)
- Registered office
- Unit A, Swains Farm Building 89 The Street, Little Clacton, Clacton-On-Sea, Essex, CO16 9LT
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Merrem Jones | Director | Oct 1975 | 11 Sep 2007 | None |
| Gillian Quinney | Director | Jan 1956 | 1 Sep 2009 | 1 other company |
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 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 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
Filed accounts and finances
Total equity
£2,667
Up £5,642 from −£2,975
Cash at bank
£3,411
Up £3,411 from £0
Employees (average)
0
Same as 0
Owed within a year
£8,144
+174% from £2,975
No turnover or profit for the year to 30 September 2025: the accounts print them but do not tag them. The last tagged figures are £88.5k turnover and £36.1k profit, for the year to 30 September 2019.
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 06366971. 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 Central’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Merrem Bryce Jones became a part-owner (25–50% of shares)
Companies House
2007
22 November 2007
- Became an appointed representative
FCA register
11 September 2007
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (3 shown here)
- Every director appointment and resignation: 4
Firms connected to Mortgage Central
Other FCA-listed firms that share a director, phone number or address with Mortgage Central. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Mortgage Central
Other firms of the same type (mortgage adviser or broker), nearest first.
In Essex
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 Central
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
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 7 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for Mortgage Central?
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Who owns Mortgage Central?
Who runs Mortgage Central?
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What do Mortgage Central’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