Appointed representative
Mortgage Doctor does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.
Responsible principal firm
Ingard Financial Limited Reference number: 450731 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 Doctor (FRN 487869) is an AR of Ingard Financial Limited (FRN 450731). When you use Mortgage Doctor's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Doctor, 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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No phone number on the FCA register
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Address
114a Silver Street, Kings Heath, Birmingham, West Midlands, B14 7QT, United Kingdom
In the full report: 1 background check
- Who else gives the postcode B14 7QT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Ingard Financial 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.
Key dates in its history
Mortgage Doctor’s history from the FCA register and Companies House, newest first.
2013
29 May 2013
- Began trading as "Mortgage Doctor"
FCA register
2010
9 December 2010
- Changed its registered name from "Mortgage Doctor"
FCA register
2008
20 August 2008
- Became an appointed representative
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms like Mortgage Doctor
Other firms of the same type (mortgage adviser or broker), nearest first.
In Birmingham
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 Doctor
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 background check on its contact details
- All 3 events in its history
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Frequently asked questions about this firm
Is Mortgage Doctor FCA authorised?
What does appointed representative mean for Mortgage Doctor?
Is Mortgage Doctor a scam or clone?
Is my money safe with Mortgage Doctor?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk