My Family Mortgages Ltd
Reference number: 837663
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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 2025
- On its latest accounts it owed £17.7k more than it owned
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.
- My Family Mortgages Ltd (FRN 837663) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use My Family Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from My Family Mortgages, 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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Phone number
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Address
Unit AA, Spithead Business Centre, Newport Road, Sandown, Isle Of Wight, PO36 9PH, United Kingdom
In the full report: 3 background checks
- When myfamilymortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 0333 202 7050 is
- Who else gives the postcode PO36 9PH
Other names (3)
If you were contacted under any of these names, it is this firm.
- Guild Mortgage Services Trading name: A name it trades under now.
- Guild Mortgage Services Limited Former name: A name it was registered under before.
- Guild Mortgages Services 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 number
- 11816016 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 February 2019 (7 years old)
- Registered office
- 155 Wellingborough Road, Rushden, Northamptonshire, NN10 9TB, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Oliver Derrick Arthur James Pearce | Director | Mar 1987 | 8 Feb 2019 | 2 other companies |
| Liane Pearce | Director | Apr 1982 | 31 Mar 2021 | 1 other company |
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
- 2
- run together
- 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
- The 1 company these 2 directors run together
Filed accounts and finances
Net assets
−£17.7k
Down £17.8k from £109
Employees (average)
0
Same as 0
Owed within a year
£10.7k
−18% from £13.1k
Net assets are negative: on its last balance sheet the company owed £17.7k more than it owned.
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 11816016. 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
My Family Mortgages’s history from the FCA register and Companies House, newest first.
2023
17 October 2023
- Changed its registered name from "Guild Mortgage Services Limited"
FCA register
2021
31 March 2021
- Liane Pearce became a part-owner (25–50% of shares)
Companies House
2020
31 March 2020
- William Michael Cassie stopped being the majority owner
Companies House
2019
3 April 2019
- Changed its registered name from "Guild Mortgages Services Limited"
FCA register
22 March 2019
- Became an appointed representative
FCA register
8 February 2019
- Incorporated at Companies House
- Oliver Derrick Arthur James Pearce became a part-owner (25–50% of shares)
- William Michael Cassie became the majority owner (50–75% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (8 shown here)
- Every director appointment and resignation: 2
Firms like My Family Mortgages
Other firms of the same type (insurance broker), nearest first.
In the Portsmouth (PO) 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 My Family Mortgages
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
- 6 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
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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