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
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 Clarity Ltd (FRN 1042005) is an AR of First Complete Limited (FRN 435779). When you use Mortgage Clarity's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Clarity, 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
656 Chesterfield Road, Sheffield, Sheffield, S8 0SB, United Kingdom
In the full report: 2 background checks
- What kind of line 07977 559082 is
- Who else gives the postcode S8 0SB
Other names (1)
If you were contacted under any of these names, it is this firm.
- Insurance Clarity Trading name: A name it trades under now.
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
- 16659980 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 August 2025 (1 year old)
- Registered office
- 656 Chesterfield Road, Sheffield, S8 0SB, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Emma Louise Harris | Director | Mar 1985 | 19 Aug 2025 | 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
Key dates in its history
Mortgage Clarity’s history from the FCA register and Companies House, newest first.
2026
21 April 2026
- Began trading as "Insurance Clarity"
FCA register
2025
26 September 2025
- Became an appointed representative
FCA register
19 August 2025
- Incorporated at Companies House
- Emma Louise Harris took control (75–100% of shares)
- Emma Louise Harris appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Mortgage Clarity
Other firms of the same type (mortgage adviser or broker), nearest first.
In Sheffield
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 Clarity
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
- All 5 events in its history
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Frequently asked questions about this firm
Is Mortgage Clarity Ltd FCA authorised?
What does appointed representative mean for Mortgage Clarity?
What is Mortgage Clarity’s phone number?
Is Mortgage Clarity a scam or clone?
Is my money safe with Mortgage Clarity?
Who owns Mortgage Clarity?
Who runs Mortgage Clarity?
How long has Mortgage Clarity been in business?
Does Mortgage Clarity use any other names?
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