Mortgage IT Ltd
Reference number: 976269
Instant download
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 March 2026
Responsible principal firm
HL Partnership Limited Reference number: 303397 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 It Ltd (FRN 976269) is an AR of HL Partnership Limited (FRN 303397). When you use Mortgage It's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage It, 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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Phone number
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Address
3 Newmarket Street, Falkirk, FK1 1JQ, Scotland
In the full report: 3 background checks
- When mortgageit.co.uk first appeared online, and whether it can receive email
- What kind of line 07857 091019 is
- Who else gives the postcode FK1 1JQ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through HL Partnership 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
- SC722711 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 February 2022 (4 years old)
- Registered office
- 3 Newmarket Street, Falkirk, FK1 1JQ, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kevin Gardiner | Director | Oct 1975 | 10 Feb 2022 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
£169
Down £227 from £396
Cash at bank
£2,406
+57% from £1,532
Employees (average)
1
Same as 1
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2023 to 2026
- 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 SC722711. 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 IT’s history from the FCA register and Companies House, newest first.
2026
10 March 2026
- Sharon Gardiner stopped being a part-owner
Companies House
3 March 2026
- Sharon Gardiner became a part-owner (25–50% of shares)
Companies House
2022
20 June 2022
- Chloe Jade Barnes stopped being a part-owner
Companies House
24 May 2022
- Became an appointed representative
FCA register
10 February 2022
- Incorporated at Companies House
- Chloe Jade Barnes became a part-owner (25–50% of shares)
- Kevin Gardiner took control (75–100% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms connected to Mortgage IT
Other FCA-listed firms that share a director, phone number or address with Mortgage IT. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Mortgage IT
Other firms of the same type (mortgage adviser or broker), nearest first.
In Falkirk
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 IT
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
- 4 years of accounts, charted
- All 12 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Mortgage IT Ltd FCA authorised?
What does appointed representative mean for Mortgage IT?
What is Mortgage IT’s phone number and website?
Is Mortgage IT a scam or clone?
Is my money safe with Mortgage IT?
Who owns Mortgage IT?
Who runs Mortgage IT?
How long has Mortgage IT been in business?
What do Mortgage IT’s latest accounts show?
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