Mortigo Ltd: FCA regulated?

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 5 years
Protected through the principal
No FCA actions
Active company since 2020
Accounts filed up to 31 October 2025

Responsible principal firm

HL Partnership Limited Reference number: 303397 Authorised 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.
Mortigo Ltd (FRN 938632) is an AR of HL Partnership Limited (FRN 303397). When you use Mortigo's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Mortigo, 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.

Website

mortigo.co.uk (opens in a new tab)
Phone number

0808 164 1616
Address

Sunley House, 4 Bedford Park, 318, Third Floor, Croydon, Surrey, CR0 2AP, United Kingdom

In the full report: 3 background checks

When mortigo.co.uk first appeared online, and whether it can receive email
What kind of line 0808 164 1616 is
Who else gives the postcode CR0 2AP

FCA permissions and consumer protection

Protection through the principal firm
Protection 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, free
You 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: 12922261 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 October 2020 (6 years old)
Registered office: Sunley House, 4 Bedford Park, 318, Third Floor, Croydon, Surrey, CR0 2AP, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Gabriel Okafor	Director	Jan 1986	2 Oct 2020	2 other companies
James Byrne	Director	Sep 1985	3 Oct 2020	None

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: 2
closed down: 1
still active: 1

In the full report: all 2 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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Total equity

£8,106

Up £8,846 from −£740

Cash at bank

£2,345

+38% from £1,702

Employees (average)

3

+200% from 1

Owed within a year

£38.6k

+83% from £21.1k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 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 12922261. 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

Mortigo’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2023

20 September 2023

Vonne Kalel Austin stopped being a part-owner

Companies House

2020

16 November 2020

Became an appointed representative

FCA register

2 October 2020

Incorporated at Companies House
Gabriel Okafor became a part-owner (25–50% of shares)
James Byrne became a part-owner (25–50% of shares)
Vonne Kalel Austin became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

All 10 events in its history (6 shown here)
Every director appointment and resignation: 4

Firms connected to Mortigo

Other FCA-listed firms that share a director, phone number or address with Mortigo. 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 Mortigo

Other firms of the same type (mortgage adviser or broker), nearest first.

In Croydon

Greentree Financial Services LimitedCroydonAppointed representative Jms Private Clients LtdCroydonAppointed representative Massey Divall Financial ServicesCroydonAppointed representative Metic Financial LtdCroydonAppointed representative Mi Casa Mortgages LtdCroydonAppointed representative Prestige Enterprises LimitedCroydonAppointed representative

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 Mortigo

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

2 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 10 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Mortigo Ltd FCA authorised?

Mortigo Ltd (FRN 938632) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Mortigo?

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. Mortigo Ltd (FRN 938632) is an AR of HL Partnership Limited (FRN 303397). When you use Mortigo's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortigo, 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.

What is Mortigo’s phone number and website?

The FCA register lists the phone number 0808 164 1616 and the website mortigo.co.uk for Mortigo. If you were given different contact details, use these to check with the firm before going any further.

Is Mortigo a scam or clone?

Mortigo is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Mortigo?

Protection works through HL Partnership Limited, the principal firm responsible for Mortigo's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Mortigo?

Companies House lists 2 people with significant control of Mortigo: Mr James Byrne (25–50% of shares) and Mr Gabriel Okafor (25–50% of shares). Before that, it was controlled by Mr Vonne Kalel Austin.

Who runs Mortigo?

Companies House lists 2 directors of Mortigo: Gabriel Okafor and James Byrne.

How long has Mortigo been in business?

The company was formed on 2 October 2020.

What do Mortigo’s latest accounts show?

Its latest accounts, to 31 October 2025, show total equity of £8,106 (up £8,846 from −£740) and cash at bank of £2,345 (+38% from £1,702).