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 13 years
- Protected through the principal
- No FCA actions
- Active company since 2003
- Accounts filed up to 31 October 2025
Responsible principal firm
MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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 & Lifetime Solutions Ltd (FRN 604396) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Mortgage & Lifetime Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage & Lifetime Solutions, 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
124 Addington Road, West Wickham, Kent, BR4 9BQ, United Kingdom
In the full report: 2 background checks
- What kind of line 020 8462 0497 is
- Who else gives the postcode BR4 9BQ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Whites Independent Mortgages Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Intelligence 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 name
- MORTGAGE & LIFETIME SOLUTIONS LIMITED
- Company number
- 04928764 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 October 2003 (23 years old)
- Registered office
- 124 Addington Road, West Wickham, Kent, BR4 9BQ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Robert Stephen White | Director | Jun 1956 | 10 Oct 2003 | None |
| Wendy Jane White | Secretary | Not published | 1 Aug 2004 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£23.4k
−36% from £36.5k
Cash at bank
£23.3k
−42% from £40.1k
Employees (average)
1
−50% from 2
Owed within a year
£1,421
−63% from £3,825
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- 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 04928764. 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 & Lifetime Solutions’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Robert Stephen White took control (75–100% of shares)
Companies House
2015
23 December 2015
- Changed its registered name from "Whites Independent Mortgages Limited"
FCA register
2013
11 July 2013
- Became an appointed representative
FCA register
2003
10 October 2003
- Incorporated at Companies House
Companies House
In the full report: all 8 events
- All 8 events in its history (4 shown here)
- Every director appointment and resignation: 3
Firms like Mortgage & Lifetime Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In West Wickham
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 & Lifetime Solutions
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
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 8 events in its history
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Frequently asked questions about this firm
Is Mortgage & Lifetime Solutions Ltd FCA authorised?
What does appointed representative mean for Mortgage & Lifetime Solutions?
What is Mortgage & Lifetime Solutions’ phone number?
Is Mortgage & Lifetime Solutions a scam or clone?
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Who owns Mortgage & Lifetime Solutions?
Who runs Mortgage & Lifetime Solutions?
How long has Mortgage & Lifetime Solutions been in business?
What do Mortgage & Lifetime Solutions’ latest accounts show?
Does Mortgage & Lifetime Solutions 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