NLS Essex Limited

Reference number: 496488

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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.

Responsible principal firm

The Right Mortgage Limited Reference number: 649443 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.
  • NLS Essex Limited (FRN 496488) is an AR of The Right Mortgage Limited (FRN 649443). When you use NLS Essex's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from NLS Essex, 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

    01268 755982

  • Address

    14 Riverview Road, Benfleet, Essex, SS7 1JT, United Kingdom

In the full report: 2 background checks

  • What kind of line 01268 755982 is
  • Who else gives the postcode SS7 1JT
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Mortgages For Homes Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
05526048
Company status
Active
Company type
Private limited company
Incorporated
2 August 2005 (21 years old)
Registered office
304 High Road, Benfleet, SS7 5HB
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy Gray Goody Director Mar 1970 2 Aug 2005 1 other company
Joanne Goody Secretary Not published 2 Aug 2005 –

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£233

Up £212 from £21

Employees (average)

2

Same as 2

Owed within a year

£18.8k

+124% from £8,398

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 05526048. 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

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

2021

16 December 2021

  • Began trading as "Mortgages For Homes"

FCA register

2016

2 August 2016

  • Timothy Gray Goody became the majority owner (50–75% of shares)

Companies House

2009

17 February 2009

  • Became an appointed representative

FCA register

2005

2 August 2005

  • Incorporated at Companies House
  • Timothy Gray Goody appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like NLS Essex

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

In Benfleet

Ab Specialist Finance LtdBenfleetAppointed representativeAMS Financial Services LimitedBenfleetAppointed representativeAshley Bennett Mortgages LtdBenfleetAppointed representativeEssex Mortgage and Protection Services LtdBenfleetAppointed representativeForemost Financial LtdBenfleetAppointed representativeFrank StoneBenfleetAppointed 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 NLS Essex

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 8 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is NLS Essex Limited FCA authorised?
NLS Essex Limited (FRN 496488) 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 NLS Essex?
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. NLS Essex Limited (FRN 496488) is an AR of The Right Mortgage Limited (FRN 649443). When you use NLS Essex's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NLS Essex, 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 NLS Essex’s phone number?
The FCA register lists the phone number 01268 755982 for NLS Essex. If you were given different contact details, use these to check with the firm before going any further.
Is NLS Essex a scam or clone?
NLS Essex 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 NLS Essex?
Protection works through The Right Mortgage Limited, the principal firm responsible for NLS Essex's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns NLS Essex?
Companies House lists one person with significant control of NLS Essex: Mr Timothy Gray Goody (50–75% of shares).
Who runs NLS Essex?
Companies House lists one director of NLS Essex: Timothy Gray Goody.
How long has NLS Essex been in business?
The company was formed on 2 August 2005.
What do NLS Essex’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £233 (up £212 from £21).
Does NLS Essex use any other names?
It trades as Mortgages For Homes.

Sources and links

The full report on NLS Essex Limited

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