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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 March 2025
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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 Simplicity Limited (FRN 431208) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Mortgage Simplicity's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Simplicity, 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.
-
No website on the FCA register
-
Phone number
-
Address
The E Centre, Cooperage Way Business Village, Cooperage Way, Alloa, FK10 3LP, United Kingdom
In the full report: 2 background checks
- What kind of line 01259 928220 is
- Who else gives the postcode FK10 3LP
Other names (1)
If you were contacted under any of these names, it is this firm.
- Mortgage Simplicity Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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
- SC280869 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 March 2005 (21 years old)
- Registered office
- The E-Centre Cooperage Way Business Village, Cooperage Way, Alloa, FK10 3LP, Scotland
- Nature of business
-
- Other letting and operating of own or leased real estate (SIC 68209)
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Love | Director | Dec 1977 | 1 Mar 2005 | None |
| Katrina Love | Director | Jan 1979 | 16 Mar 2026 | None |
| Katrina Love | Secretary | Not published | 1 Mar 2005 | – |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£280k
+9.7% from £255k
Cash at bank
£41.0k
+222% from £12.7k
Employees (average)
1
Same as 1
Owed within a year
£82.8k
+65% from £50.3k
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
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 SC280869. 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 Simplicity’s history from the FCA register and Companies House, newest first.
2026
16 March 2026
- Katrina Love appointed as a director
Companies House
2024
23 February 2024
- Changed its registered name from "Mortgage Simplicity Ltd"
FCA register
2016
6 April 2016
- Christopher Love took control (75–100% of shares)
Companies House
2005
18 April 2005
- Became an appointed representative
FCA register
1 March 2005
- Incorporated at Companies House
- Christopher Love appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Mortgage Simplicity
Other FCA-listed firms that share a director, phone number or address with Mortgage Simplicity. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Mortgage Simplicity
Other firms of the same type (mortgage adviser or broker), nearest first.
In Alloa
In the Falkirk (FK) 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 Simplicity
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
- 6 years of accounts, charted
- All 6 events in its history
- 4 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Mortgage Simplicity Limited FCA authorised?
What does appointed representative mean for Mortgage Simplicity?
What is Mortgage Simplicity’s phone number?
Is Mortgage Simplicity a scam or clone?
Is my money safe with Mortgage Simplicity?
Who owns Mortgage Simplicity?
Who runs Mortgage Simplicity?
How long has Mortgage Simplicity been in business?
What do Mortgage Simplicity’s latest accounts show?
Does Mortgage Simplicity 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