OD Mortgages Ltd

Reference number: 1014653

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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

White Rose Finance Group Limited Reference number: 630772 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.
  • OD Mortgages Ltd (FRN 1014653) is an AR of White Rose Finance Group Limited (FRN 630772). When you use OD Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from OD 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.

  • No website on the FCA register

  • Phone number

    07545 032377

  • Address

    28 Cloughton Road, Hamilton, Leicester, Leicester, LE5 1GR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07545 032377 is
  • Who else gives the postcode LE5 1GR
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Other names (1)

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

  • OD Commercial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through White Rose Finance Group 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
13013848
Company status
Active
Company type
Private limited company
Incorporated
12 November 2020 (5 years old)
Registered office
28 Cloughton Road, Hamilton, Leicester, LE5 1GR, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Omar Farook Daud Director Jun 1985 12 Nov 2020 2 other companies

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 companies
2
still active
2

In the full report: all 2 companies, 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 30 November 2025Small company accountsNot audited

Net assets

£27.2k

−28% from £38.0k

Cash at bank

£50.7k

+66% from £30.5k

Employees (average)

1

Same as 1

Owed within a year

£38.0k

+76% from £21.6k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • 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 13013848. 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

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

Key events (3) All events (6)

2024

7 June 2024

  • Became an appointed representative

FCA register

2020

12 November 2020

  • Incorporated at Companies House
  • Omar Farook Daud took control (75–100% of shares)

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like OD Mortgages

Other firms of the same type (insurance broker), nearest first.

In Leicester

Albany Insurance Brokers LimitedLeicesterAppointed representativeAncasure LtdLeicesterAppointed representativeAsttor LimitedLeicesterAppointed representativeBespoke Benefit Solutions LimitedLeicesterAppointed representativeBradcaster Insurance Brokers LtdLeicesterAppointed representativeBrokerbility Information Gateway LtdLeicesterAppointed 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 OD 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
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is OD Mortgages Ltd FCA authorised?
OD Mortgages Ltd (FRN 1014653) 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 OD Mortgages?
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. OD Mortgages Ltd (FRN 1014653) is an AR of White Rose Finance Group Limited (FRN 630772). When you use OD Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from OD 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.
What is OD Mortgages’ phone number?
The FCA register lists the phone number 07545 032377 for OD Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is OD Mortgages a scam or clone?
OD Mortgages 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 OD Mortgages?
Protection works through White Rose Finance Group Limited, the principal firm responsible for OD Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns OD Mortgages?
Companies House lists one person with significant control of OD Mortgages: Mr Omar Farook Daud (75–100% of shares).
Who runs OD Mortgages?
Companies House lists one director of OD Mortgages: Omar Farook Daud.
How long has OD Mortgages been in business?
The company was formed on 12 November 2020.
What do OD Mortgages’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £27.2k (−28% from £38.0k) and cash at bank of £50.7k (+66% from £30.5k).
Does OD Mortgages use any other names?
It trades as OD Commercial.

Sources and links

The full report on OD Mortgages Ltd

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