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
Responsible principal firm
First Complete Limited Reference number: 435779 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 Ladies Ltd (FRN 986387) is an AR of First Complete Limited (FRN 435779). When you use Mortgage Ladies's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Ladies, 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
CAI Building, Coble Dene, North Shields, Tyne and Wear, NE29 6DE, United Kingdom
In the full report: 2 background checks
- What kind of line 07977 829165 is
- Who else gives the postcode NE29 6DE
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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
- 14091462 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 May 2022 (4 years old)
- Registered office
- Cai Building, Coble Dene, North Shields, NE29 6DE, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Patricia Ann Heddon | Director | Aug 1967 | 6 May 2022 | 1 other company |
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 company
- 1
- closed down
- 1
In the full report: all 1 company, 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 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£26.5k
+298% from £6,667
Employees (average)
3
−25% from 4
Owed within a year
£10.3k
+45% from £7,083
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 14091462. 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 Ladies’s history from the FCA register and Companies House, newest first.
2025
31 March 2025
- John David Heddon stopped being the majority owner
Companies House
2024
26 July 2024
- John David Heddon became the majority owner (50–75% of shares)
Companies House
2023
3 February 2023
- Carly Ann Heddon stopped being a part-owner
Companies House
2022
1 November 2022
- Became an appointed representative
FCA register
6 May 2022
- Incorporated at Companies House
- Carly Ann Heddon became a part-owner (25–50% of shares)
- Patricia Ann Heddon took control (75–100% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (7 shown here)
- Every director appointment and resignation: 7
Firms connected to Mortgage Ladies
Other FCA-listed firms that share a director, phone number or address with Mortgage Ladies. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Mortgage Ladies
Other firms of the same type (mortgage adviser or broker), nearest first.
In North Shields
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 Ladies
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 14 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do Mortgage Ladies’ 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