Mortgage Direct Ltd: FCA regulated?

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 1999
Accounts filed up to 31 March 2025

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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 Direct Ltd (FRN 511921) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Mortgage Direct's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Mortgage Direct, 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.

Website

mortgage-direct.com (opens in a new tab)
Phone number

020 8297 9511
Address

3 Brigade House, Brigade Street, London, SE3 0TW, United Kingdom

In the full report: 3 background checks

When mortgage-direct.com first appeared online, and whether it can receive email
What kind of line 020 8297 9511 is
Who else gives the postcode SE3 0TW

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Quilter Financial Services 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 name: MORTGAGE DIRECT LIMITED
Company number: 03722463 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 1 March 1999 (27 years old)
Registered office: 3rd Floor 86 - 90 Paul Street, London, EC2A 4NE, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Mairaide Nicola Stanley	Director	Jan 1964	1 Mar 1999	7 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: 7
closed down: 5
still active: 2

In the full report: all 7 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
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£155k

+13% from £137k

Employees (average)

2

Same as 2

Owed within a year

£24.6k

+60% from £15.3k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 03722463. 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 Direct’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2016

6 April 2016

Mairaide Nicola Stanley took control (75–100% of shares)

Companies House

2009

6 November 2009

Became an appointed representative

FCA register

1999

1 March 1999

Incorporated at Companies House

Companies House

In the full report: all 6 events

All 6 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms like Mortgage Direct

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

In London

Purplebricks Mortgages LimitedLondonAppointed representative David RounsfellLondonAppointed representative Ema Private Finance LimitedLondonAppointed representative Harris ZubairLondonAppointed representative Heather MaCaskillLondonAppointed representative Lawrence BolarinwaLondonAppointed 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 Direct

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

7 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 6 events in its history

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Frequently asked questions about this firm

Is Mortgage Direct Ltd FCA authorised?

Mortgage Direct Ltd (FRN 511921) 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 Direct?

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 Direct Ltd (FRN 511921) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Mortgage Direct's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Direct, 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 Direct’s phone number and website?

The FCA register lists the phone number 020 8297 9511 and the website mortgage-direct.com for Mortgage Direct. If you were given different contact details, use these to check with the firm before going any further.

Is Mortgage Direct a scam or clone?

Mortgage Direct 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 Direct?

Protection works through Quilter Financial Services Limited, the principal firm responsible for Mortgage Direct's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Mortgage Direct?

Companies House lists one person with significant control of Mortgage Direct: Ms Mairaide Nicola Stanley (75–100% of shares).

Who runs Mortgage Direct?

Companies House lists one director of Mortgage Direct: Mairaide Nicola Stanley.

How long has Mortgage Direct been in business?

The company was formed on 1 March 1999.

What do Mortgage Direct’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £155k (+13% from £137k).