Portobello Mortgage Centre Ltd

Reference number: 437015

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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

TenetLime Limited Reference number: 311266 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.
  • Portobello Mortgage Centre Ltd (FRN 437015) is an AR of TenetLime Limited (FRN 311266). When you use Portobello Mortgage Centre's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Portobello Mortgage Centre, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When portobellomortgages.scot first appeared online, and whether it can receive email
  • What kind of line 0131 657 4400 is
  • Who else gives the postcode EH15 1SG
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Other names (1)

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

  • Four Seasons Financial Services Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TenetLime 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
SC283938
Company status
Active
Company type
Private limited company
Incorporated
28 April 2005 (21 years old)
Registered office
56 Duddingston Road, Edinburgh, EH15 1SG, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michelle Judith Paterson Director Oct 1970 8 Dec 2022 1 other company

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
closed down
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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

−£11.7k

Down £2,771 from −£8,922

Employees (average)

1

Up 1 from 0

Owed within a year

£11.4k

+32% from £8,647

Net assets are negative: on its last balance sheet the company owed £11.7k more than it owned.

Net assets

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 SC283938. 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

Portobello Mortgage Centre’s history from the FCA register and Companies House, newest first.

Key events (8) All events (13)

2024

31 January 2024

  • David Michael Connolly stopped being a part-owner
  • Jacqueline Susan Ritchie stopped being a part-owner

Companies House

12 January 2024

  • Michelle Judith Paterson took control (75–100% of shares)

Companies House

2021

12 November 2021

  • Changed its registered name from "Four Seasons Financial Services Ltd"

FCA register

2016

28 April 2016

  • David Michael Connolly became a part-owner (25–50% of shares)
  • Jacqueline Susan Ritchie became a part-owner (25–50% of shares)

Companies House

2005

9 August 2005

  • Became an appointed representative

FCA register

28 April 2005

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (8 shown here)
  • Every director appointment and resignation: 5
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Firms like Portobello Mortgage Centre

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

In Edinburgh

Apex Mortgage Advice LimitedEdinburghAppointed representativeAven Mortgages limitedEdinburghAppointed representativeBespoke Home Finance LtdEdinburghAppointed representativeBrightermortgagesuk LtdEdinburghAppointed representativeChristopher EvansEdinburghAppointed representativeClear Mortgage Solutions LimitedEdinburghAppointed 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 Portobello Mortgage Centre

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
  • 3 background checks on its contact details, 1 flagged
  • 8 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Portobello Mortgage Centre Ltd FCA authorised?
Portobello Mortgage Centre Ltd (FRN 437015) 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 Portobello Mortgage Centre?
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. Portobello Mortgage Centre Ltd (FRN 437015) is an AR of TenetLime Limited (FRN 311266). When you use Portobello Mortgage Centre's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Portobello Mortgage Centre, 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 Portobello Mortgage Centre’s phone number and website?
The FCA register lists the phone number 0131 657 4400 and the website portobellomortgages.scot for Portobello Mortgage Centre. If you were given different contact details, use these to check with the firm before going any further.
Is Portobello Mortgage Centre a scam or clone?
Portobello Mortgage Centre 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 Portobello Mortgage Centre?
Protection works through TenetLime Limited, the principal firm responsible for Portobello Mortgage Centre's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Portobello Mortgage Centre?
Companies House lists one person with significant control of Portobello Mortgage Centre: Mrs Michelle Judith Paterson (75–100% of shares). Before that, it was controlled by Mr David Michael Connolly and Ms Jacqueline Susan Ritchie.
Who runs Portobello Mortgage Centre?
Companies House lists one director of Portobello Mortgage Centre: Michelle Judith Paterson.
How long has Portobello Mortgage Centre been in business?
The company was formed on 28 April 2005.
What do Portobello Mortgage Centre’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of −£11.7k (down £2,771 from −£8,922).
Does Portobello Mortgage Centre use any other names?
It has previously used the name Four Seasons Financial Services Ltd.

Sources and links

The full report on Portobello Mortgage Centre Ltd

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