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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 March 2026
- On its latest accounts it owed £1,624 more than it owned
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.
- Mortgagewise (Scotland) Ltd (FRN 914193) is an AR of First Complete Limited (FRN 435779). When you use Mortgagewise (Scotland)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgagewise (Scotland), 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
53 Moss Street, Paisley, PA1 1DR, United Kingdom
In the full report: 2 background checks
- What kind of line 0141 231 2150 is
- Who else gives the postcode PA1 1DR
Other names (4)
If you were contacted under any of these names, it is this firm.
- McArthur Scott Mortgages Former trading name: A name it used to trade under.
- MortgageWise Glasgow Former trading name: A name it used to trade under.
- MortgageWise Inverclyde Former trading name: A name it used to trade under.
- ProtectionWise Former trading name: A name it used to trade under.
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
- SC637991 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 August 2019 (7 years old)
- Registered office
- 53 Moss Street, Paisley, PA1 1DR, Scotland
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Life insurance (SIC 65110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Martin Kelly | Director | Jul 1984 | 5 Aug 2019 | 7 other companies |
| Anthony John Reid Mcgoldrick | Director | Mar 1987 | 5 Aug 2019 | 7 other companies |
Other companies run by these 2 directors
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 companies
- 8
- closed down
- 5
- run together
- 6
In the full report: all 8 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 6 companies these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£1,624
−105% from £31.7k
Cash at bank
£86.9k
+176% from £31.5k
Employees (average)
9
+50% from 6
Owed within a year
£86.9k
+45% from £60.1k
Net assets are negative: on its last balance sheet the company owed £1,624 more than it owned.
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 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 SC637991. 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
Mortgagewise (Scotland)’s history from the FCA register and Companies House, newest first.
2019
27 September 2019
- Became an appointed representative
FCA register
5 August 2019
- Incorporated at Companies House
- Anthony John Reid McGoldrick became a part-owner (25–50% of shares)
- Paul Martin Kelly became a part-owner (25–50% of shares)
Companies House
In the full report: all 17 events
- All 17 events in its history (4 shown here)
- Every director appointment and resignation: 4
Firms like Mortgagewise (Scotland)
Other firms of the same type (mortgage adviser or broker), nearest first.
In Paisley
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 Mortgagewise (Scotland)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 17 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Mortgagewise (Scotland) Ltd FCA authorised?
What does appointed representative mean for Mortgagewise (Scotland)?
What is Mortgagewise (Scotland)’s phone number?
Is Mortgagewise (Scotland) a scam or clone?
Is my money safe with Mortgagewise (Scotland)?
Who owns Mortgagewise (Scotland)?
Who runs Mortgagewise (Scotland)?
How long has Mortgagewise (Scotland) been in business?
What do Mortgagewise (Scotland)’s latest accounts show?
Does Mortgagewise (Scotland) 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