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 16 years
- Protected through the principal
- No FCA actions
- Active company since 2010
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £297k more than it owned
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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 Decisions Ltd (FRN 525732) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Mortgage Decisions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Decisions, 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
Trinity House, 123 Winchester Road, Chandler's Ford, Eastleigh, Hampshire, SO53 2DR, United Kingdom
In the full report: 2 background checks
- What kind of line 023 8235 8580 is
- Who else gives the postcode SO53 2DR
Other names (6)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- Charters Financial Services Limited Former name: A name it was registered under before.
- Silverblack Private Finance Ltd Former name: A name it was registered under before.
- Trinity Rose Private Finance Limited Former name: A name it was registered under before.
- Charters Financial Services Former trading name: A name it used to trade under.
- Silver Black Private Finance Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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 name
- MORTGAGE DECISIONS LIMITED
- Company number
- 07238950 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 April 2010 (16 years old)
- Registered office
- Trinity House Winchester Road, Chandler's Ford, Eastleigh, SO53 2DR, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Robert Stewart Mott | Director | Jul 1972 | 27 Aug 2015 | 7 other companies |
| Christie Amy West | Director | Feb 1986 | 13 May 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
- 10
- closed down
- 2
- still active
- 8
In the full report: all 10 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
Filed accounts and finances
Net assets
−£297k
−543% from £67.1k
Cash at bank
£51.4k
−66% from £151k
Owed within a year
£444k
+233% from £133k
Net assets are negative: on its last balance sheet the company owed £297k more than it owned.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 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 07238950. 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 Decisions’s history from the FCA register and Companies House, newest first.
2026
25 September 2026
- Susan Price stopped being a part-owner
Companies House
2024
11 May 2024
- Gerard Price stopped being a part-owner
- Susan Price became a part-owner (25–50% of shares)
Companies House
25 April 2024
- Charters Estate Agents Limited gave up control
- Gerard Price became a part-owner (25–50% of shares)
- Robert Stewart Mott took control (75–100% of shares)
Companies House
2022
19 December 2022
- Changed its registered name from "Charters Financial Services Limited"
FCA register
2020
23 July 2020
- Changed its registered name from "Trinity Rose Private Finance Limited"
FCA register
2016
1 May 2016
- Charters Estate Agents Limited took control (75–100% of shares)
Companies House
2015
16 September 2015
- Changed its registered name from "Silverblack Private Finance Ltd"
FCA register
2010
11 June 2010
- Became an appointed representative
FCA register
29 April 2010
- Incorporated at Companies House
Companies House
In the full report: all 26 events
- All 26 events in its history (12 shown here)
- Every director appointment and resignation: 6
Firms connected to Mortgage Decisions
Other FCA-listed firms that share a director, phone number or address with Mortgage Decisions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Mortgage Decisions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Eastleigh
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 Decisions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 10 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 26 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Mortgage Decisions Ltd FCA authorised?
What does appointed representative mean for Mortgage Decisions?
What is Mortgage Decisions’ phone number?
Is Mortgage Decisions a scam or clone?
Is my money safe with Mortgage Decisions?
Who owns Mortgage Decisions?
Who runs Mortgage Decisions?
How long has Mortgage Decisions been in business?
What do Mortgage Decisions’ latest accounts show?
Does Mortgage Decisions 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