Mortgage Horizons Limited

Reference number: 446202

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When pearsonia.co.uk first appeared online, and whether it can receive email
  • What kind of line 01793 771142 is
  • Who else gives the postcode SN5 5PP
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Pearson Independent Advisers Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
05015305
Company status
Active
Company type
Private limited company
Incorporated
14 January 2004 (22 years old)
Registered office
Hermes House, Fire Fly Avenue, Swindon, Wiltshire, SN2 2GA, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Amy Penning Director Oct 1982 1 Dec 2015 None
Joelle Whitehead Director Dec 1976 1 Dec 2015 None
Malcolm Bernard Pearson Secretary Not published 1 Apr 2007 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£35.0k

+211% from £11.3k

Cash at bank

£3,832

Up £3,832 from £0

Employees (average)

3

−25% from 4

Owed within a year

£111k

+28% from £87.1k

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
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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 05015305. 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 Horizons’s history from the FCA register and Companies House, newest first.

Key events (6) All events (16)

2016

22 April 2016

  • Joelle Whitehead became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Amy Penning became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

3 April 2006

  • Became authorised by the FCA

FCA register

14 March 2006

  • Regulated by the Financial Services Authority from this date

FCA register

2004

14 January 2004

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (6 shown here)
  • Every director appointment and resignation: 6
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Firms like Mortgage Horizons

Other firms of the same type (financial adviser), nearest first.

In Swindon

Openwork LimitedSwindonAuthorisedAchieve Wealth Management (Wiltshire) LimitedSwindonAuthorisedButler Toll LimitedSwindonAuthorisedDandelion Financial LimitedSwindonAuthorisedDermot BranniganSwindonAuthorisedFuture Planning Wealth Management LimitedSwindonAuthorised

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 Horizons

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Mortgage Horizons Limited FCA authorised?
Yes, Mortgage Horizons Limited (FRN 446202) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2006 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Mortgage Horizons’ phone number and website?
The FCA register lists the phone number 01793 771142 and the website pearsonia.co.uk for Mortgage Horizons. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage Horizons a scam or clone?
Mortgage Horizons 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 Horizons?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Mortgage Horizons to the Financial Ombudsman Service, free of charge.
Who owns Mortgage Horizons?
Companies House lists 2 people with significant control of Mortgage Horizons: Mrs Joelle Whitehead (25–50% of shares) and Mrs Amy Penning (25–50% of shares).
Who runs Mortgage Horizons?
Companies House lists 2 directors of Mortgage Horizons: Amy Penning and Joelle Whitehead.
How long has Mortgage Horizons been in business?
The company was formed on 14 January 2004, and has held its current FCA authorisation since April 2006.
What do Mortgage Horizons’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £35.0k (+211% from £11.3k) and cash at bank of £3,832 (up £3,832 from £0).
Does Mortgage Horizons use any other names?
It trades as Pearson Independent Advisers.

Sources and links

The full report on Mortgage Horizons Limited

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