Prospect Tree Mortgages Ltd: FCA regulated?

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 10 years
Protected through the principal
No FCA actions
Active company since 2016
Accounts filed up to 31 October 2025
On its latest accounts it owed £31.5k more than it owned

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.
Prospect Tree Mortgages Ltd (FRN 748350) is an AR of TenetLime Limited (FRN 311266). When you use Prospect Tree Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Prospect Tree 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

0800 862 0840
Address

50 Freathy Lane, Kennington, Ashford, Kent, TN25 4QR, United Kingdom

In the full report: 2 background checks

What kind of line 0800 862 0840 is
Who else gives the postcode TN25 4QR

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: 10112043 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 April 2016 (10 years old)
Registered office: 160 Eureka Park Upper Pemberton, Kennington, Ashford, TN25 4AZ, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Dean Martin Barham	Director	Apr 1968	8 Apr 2016	2 other companies
Nicholas John Daynes	Director	Aug 1982	8 Apr 2016	2 other companies
Michael Alan Read	Director	Jan 1973	8 Apr 2016	2 other companies

Other companies run by these 3 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: 3
closed down: 2
is FCA-registered: 1

In the full report: all 3 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 2 companies these 3 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

−£31.5k

Up £37.2k from −£68.7k

Employees (average)

4

Same as 4

Owed within a year

£43.2k

−25% from £57.3k

Net assets are negative: on its last balance sheet the company owed £31.5k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 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 10112043. 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

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

Key events (5) All events (10)

2017

7 April 2017

Dean Martin Barham gained significant control
Michael Alan Read gained significant control
Nicholas John Daynes became a part-owner (25–50% of shares)

Companies House

2016

26 May 2016

Became an appointed representative

FCA register

8 April 2016

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (5 shown here)
Every director appointment and resignation: 5

Firms connected to Prospect Tree Mortgages

Other FCA-listed firms that share a director, phone number or address with Prospect Tree Mortgages. 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

Firms like Prospect Tree Mortgages

Other firms of the same type (financial adviser), nearest first.

In Ashford

Aims Financial LtdAshfordAppointed representative Gail SmythAshfordAppointed representative Jonathan ApplebeeAshfordAppointed representative LFR Mortgages and Wealth LLPAshfordAppointed representative Magee Gammon Financial Planning LtdAshfordAppointed representative Q & A Financial Planning LtdAshfordAppointed 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 Prospect Tree Mortgages

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

3 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 10 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Prospect Tree Mortgages Ltd FCA authorised?

Prospect Tree Mortgages Ltd (FRN 748350) 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 Prospect Tree 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. Prospect Tree Mortgages Ltd (FRN 748350) is an AR of TenetLime Limited (FRN 311266). When you use Prospect Tree Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Prospect Tree 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 Prospect Tree Mortgages’ phone number?

The FCA register lists the phone number 0800 862 0840 for Prospect Tree Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Prospect Tree Mortgages a scam or clone?

Prospect Tree 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 Prospect Tree Mortgages?

Protection works through TenetLime Limited, the principal firm responsible for Prospect Tree Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Prospect Tree Mortgages?

Companies House lists 3 people with significant control of Prospect Tree Mortgages: Mr Nicholas John Daynes (25–50% of shares), Mr Michael Alan Read (significant influence or control) and Mr Dean Martin Barham (significant influence or control).

Who runs Prospect Tree Mortgages?

Companies House lists 3 directors of Prospect Tree Mortgages: Dean Martin Barham, Nicholas John Daynes and Michael Alan Read.

How long has Prospect Tree Mortgages been in business?

The company was formed on 8 April 2016.

What do Prospect Tree Mortgages’ latest accounts show?

Its latest accounts, to 31 October 2025, show net assets of −£31.5k (up £37.2k from −£68.7k).