Paratus AMC Limited

Reference number: 301128

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When foundationlending.co.uk first appeared online, and whether it can receive email
  • What kind of line 01344 854669 is
  • Who else gives the postcode RG12 1WA
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Other names (34)

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

  • Foundation Trading name
  • Foundation Home Loans Trading name
  • Foundation Lending Trading name
  • GMAC-RFC Ltd Former name
  • Paratus AMC Ltd Former name
  • Gmac Former trading name
  • Gmac Capital Corporation Former trading name
  • Gmac Home Loan Former trading name
  • Gmac Mortgage Former trading name
  • Gmac Mortgages Former trading name
  • Gmac Mortgage Services Former trading name
  • Gmac Msl Former trading name
  • Gmac Residential Funding Former trading name
  • Gmac Residential Funding Corporation Former trading name
  • Gmac Residential Mortgages Former trading name
  • Gmac Rfc Former trading name
  • Gmac-Rfc Home Loan Former trading name
  • Gmac-Rfc Mortgage Former trading name
  • Gmac-Rfc Mortgages Former trading name
  • Gmac-Rfc Residential Mortgages Former trading name
  • Highstreet Homeloans Former trading name
  • Hshl Former trading name
  • Imc Former trading name
  • Independent Mortgage Collection Former trading name
  • Mortgage Services Former trading name
  • Msl Former trading name
  • Plms Former trading name
  • Private Label Mortgage Services Former trading name
  • Rapide Former trading name
  • Rapide Mortgage Services Former trading name
  • Residential Funding Corporation Former trading name
  • Rfc Former trading name
  • Rfc Mortgage Services Former trading name
  • Rfc Msl Former trading name

FCA permissions and consumer protection

  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL arranger
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Entering into a regulated mortgage contract as lender
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

FCA action

fine
1
most recent
October 2009
  • Fined on 28 October 2009
    On 28 October 2009 the FSA imposed a financial penalty on GMAC RFC Limited ('GMAC RFC') for failing to comply with Principle 3 and Principle 6 of the Principles for Businesses and Rules 12.4.1R and 13.3.1R in the Mortgages and Home Finance: Conduct of Business sourcebook. Since October 2004, GMAC RFC has been authorised by the FSA, with permission to arrange and administer regulated mortgage contracts. GMAC operated as a non-bank lender in the prime, sub-prime and buy-to-let mortgage sectors. During the relevant period, GMAC administered 188,543 regulated mortgage contracts with a total balance of approximately £24.6 billion. The Final Notice, which sets of the reason for the action, is displayed on the FSA's web site and can be accessed.

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
03489004
Company status
Active
Company type
Private limited company
Incorporated
6 January 1998 (28 years old)
Registered office
3 Arlington Square, Downshire Way, Bracknell, Berkshire, RG12 1WA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Edward Crowe Jr Director Jul 1982 23 Mar 2022 2 other companies
Jonathan Charles Locke Director Sep 1962 23 Mar 2022 None
Jesus Maria Rio Cortes Director Dec 1971 23 Mar 2022 2 other companies
Seda Yalcinkaya Karpukhina Director Jun 1973 31 Dec 2023 9 other companies
Elizabeth Anne Lapuma Director Mar 1979 27 Mar 2024 None
Peter Simon Ball Director Jul 1968 29 Apr 2024 1 other company
Nicola Townsend Secretary Not published 18 Sep 2018 –

Other companies run by these 6 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
14
still active
14
is FCA-registered
1

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (12) All events (167)

2022

23 March 2022

  • Olive UK Opco Limited took control (75–100% of shares)
  • Sterling Holdings LP gave up control

Companies House

21 March 2022

  • Changed its registered name from "Paratus AMC Ltd"

FCA register

2021

9 December 2021

  • Changed its registered name from "Paratus AMC Limited"

FCA register

2016

6 April 2016

  • Sterling Holdings LP took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

31 January 2011

  • Changed its registered name from "GMAC-RFC Ltd"

FCA register

2010

1 October 2010

  • Board replaced: all 3 directors left and 3 new directors took over

Companies House

2009

28 October 2009

  • Fined by the FCA

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1998

6 January 1998

  • Incorporated at Companies House

Companies House

In the full report: all 167 events

  • All 167 events in its history (12 shown here)
  • Every director appointment and resignation: 82
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Firms connected to Paratus AMC

Other FCA-listed firms that share a director, phone number or address with Paratus AMC. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Paratus AMC

Other firms of the same type (mortgage lender), nearest first.

Elsewhere in the UK

LGT Bank AGVaduzAuthorisedRothschild & Co Wealth Management UK LimitedLondonAuthorisedSocial Money LimitedGreater ManchesterAuthorisedAccord Mortgages LimitedBradfordAuthorisedOctopus Investments LimitedLondonAuthorisedPhoenix Group Management Services LimitedBirminghamAuthorised

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 Paratus AMC

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 167 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Paratus AMC Limited FCA authorised?
Yes, Paratus AMC Limited (FRN 301128) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Paratus AMC’s phone number and website?
The FCA register lists the phone number 01344 854669 and the website foundationlending.co.uk for Paratus AMC. If you were given different contact details, use these to check with the firm before going any further.
Is Paratus AMC a scam or clone?
Paratus AMC 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 Paratus AMC?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Paratus AMC to the Financial Ombudsman Service, free of charge.
Who owns Paratus AMC?
Paratus AMC is owned by Olive UK Opco Limited, which holds 75–100% of shares, 50–75% of votes and can appoint and remove the board, since 23 March 2022. Before that, it was controlled by Sterling Holdings LP.
Who runs Paratus AMC?
Companies House lists 6 directors of Paratus AMC: Kevin Edward Crowe Jr, Jonathan Charles Locke, Jesus Maria Rio Cortes, Seda Yalcinkaya Karpukhina, Elizabeth Anne Lapuma and Peter Simon Ball.
How long has Paratus AMC been in business?
The company was formed on 6 January 1998, and has held its current FCA authorisation since October 2004.
Has the FCA taken action against Paratus AMC?
Yes. The FCA register records 1 fine in 2009. The details are in the disciplinary section above, with links to the FCA's notices.
Does Paratus AMC use any other names?
It trades as Foundation, Foundation Home Loans and Foundation Lending. It has previously used 31 other names, including GMAC-RFC Ltd, Paratus AMC Ltd and Gmac.

Sources and links

The full report on Paratus AMC Limited

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