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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 May 2025
- On its latest accounts it owed £209k more than it owned
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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 First Ltd (FRN 980580) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Mortgage First's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage First, 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
423-425 Newtownards Road, Belfast, BT4 1AT, United Kingdom
In the full report: 2 background checks
- What kind of line 028 9065 4555 is
- Who else gives the postcode BT4 1AT
Other names (1)
If you were contacted under any of these names, it is this firm.
- Mortgage First Newry Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch 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, 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
- 14131989 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 May 2022 (4 years old)
- Registered office
- 1 Old Street Yard, London, EC1Y 8AF, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Stewart | Director | Jan 1971 | 25 May 2022 | 5 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
- 5
- closed down
- 1
- went insolvent
- 1
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The one that went into liquidation or administration
Filed accounts and finances
Net assets
−£209k
Down £217k from £8,219
Employees (average)
7
−36% from 11
Net assets are negative: on its last balance sheet the company owed £209k more than it owned.
Assets and liabilities
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 14131989. 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 First’s history from the FCA register and Companies House, newest first.
2022
9 August 2022
- Became an appointed representative
FCA register
25 May 2022
- Incorporated at Companies House
- Christopher Stewart took control (75–100% of shares)
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 1
Firms like Mortgage First
Other firms of the same type (insurance broker), nearest first.
In the Belfast (BT) postcode area
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 First
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
Is Mortgage First Ltd FCA authorised?
What does appointed representative mean for Mortgage First?
What is Mortgage First’s phone number?
Is Mortgage First a scam or clone?
Is my money safe with Mortgage First?
Who owns Mortgage First?
Who runs Mortgage First?
How long has Mortgage First been in business?
What do Mortgage First’s latest accounts show?
Does Mortgage First 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