Prospectus Mortgages Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 2 years
Your funds are protected by FSCS
No FCA actions
Active company since 2022
Accounts filed up to 31 March 2026

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.

Website

prospectusmortgages.co.uk (opens in a new tab)
Phone number

01604 926123
Address

Prospectus Mortgages Ltd, 12 Redhouse Square Duncan Close, Duncan Close, Moulton Park, Northampton, Northamptonshire, NN3 6WL, United Kingdom

In the full report: 3 background checks

When prospectusmortgages.co.uk first appeared online, and whether it can receive email
What kind of line 01604 926123 is, and the other firm that gives it
Who else gives the postcode NN3 6WL

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
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 (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL Advisor
Acting as a CBTL arranger
Acting as a CBTL Arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

Limits on what they may do

Responsibility for past business of Prospectus Financial Management Limited

1. Prior to the transfer of the client book the Firm must enter into an agreement with PROSPECTUS FINANCIAL MANAGEMENT LIMITED (FRN 767690) (PROSPECTUS FINANCIAL ) in relation to the past business of PROSPECTUS FINANCIAL, whereby it will accept responsibility for the investigation, processing and payment of redress for complaints related to the past business of PROSPECTUS FINANCIAL. 2. The Firm will be responsible for all clients formerly advised by PROSPECTUS FINANCIAL, from the point of sale of or cessation of authorisation of PROSPECTUS FINANCIAL. Future transfer of Client Book 3. The Firm must not enter into any agreement for the sale, transfer or other disposal of the client book without first notifying the Authority. 4. The Firm must not enter into an agreement for the sale, transfer, disposal or other dealing of the client book that does not specify who will be responsible for the investigation, processing and payment of redress for complaints related to the past business of the Firm. Effective date 1. The requirements in this application are to take effect immediately upon the Firm becoming authorised and upon their acceptance by the Authority, as notified to the Firm via email. 2. These restrictions will remain in effect until Prospectus Mortgages Limited applies to have them removed, having demonstrated to the Authority's Satisfaction that it is continuing to satisfy Threshold Conditions in relation to all the regulated activities for which it has Part 4A permission.

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: 13978014 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 March 2022 (4 years old)
Registered office: 12 Duncan Close, Moulton Park Industrial Estate, Northampton, NN3 6WL, 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
Ronald Eley	Director	Aug 1958	15 Mar 2022	1 other company
Sofia Mckenzie	Director	Apr 1981	15 Mar 2022	None

Other companies run by these 2 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 company: 1
still active: 1
is FCA-registered: 1

In the full report: all 1 company, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register

Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£6,277

+90% from £3,300

Employees (average)

2

Same as 2

Owed within a year

£627

Up £627 from £0

Net assets

In the full report: all 4 years of accounts

Every year from 2023 to 2026
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 13978014. 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

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

Key events (6) All events (9)

2024

5 February 2024

Regulated by the FCA from this date
FCA imposed a requirement (Responsibility for past business of Prospectus Financial Management Limited)
Became authorised by the FCA

FCA register

2022

15 March 2022

Incorporated at Companies House
Ronald Eley became a part-owner (25–50% of shares)
Sofia McKenzie became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

All 9 events in its history (6 shown here)
Every director appointment and resignation: 2

Firms connected to Prospectus Mortgages

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

connected firms: 3
share a director: 1
share its phone number: 1

In the full report: all 3 connected firms, named

How each is linked: shared directors (1), the same phone number (1), the same postcode (3)
Who links each one: the named directors, with dates

Firms like Prospectus Mortgages

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

In Northampton

1st Premier Finance LtdNorthamptonAuthorised Alfa Mortgages LimitedNorthamptonAuthorised Darren FergusonNorthamptonAuthorised Marsha MooreNorthamptonAuthorised Mortgages and Life LimitedNorthamptonAuthorised Northants MortgagesNorthamptonAuthorised

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 Prospectus Mortgages

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
4 years of accounts, charted
All 9 events in its history
3 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Prospectus Mortgages Limited FCA authorised?

Yes, Prospectus Mortgages Limited (FRN 991564) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2024 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.

What is Prospectus Mortgages’ phone number and website?

The FCA register lists the phone number 01604 926123 and the website prospectusmortgages.co.uk for Prospectus Mortgages. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Prospectus Mortgages a scam or clone?

Prospectus 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 Prospectus Mortgages?

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 Prospectus Mortgages to the Financial Ombudsman Service, free of charge.

Who owns Prospectus Mortgages?

Companies House lists 2 people with significant control of Prospectus Mortgages: Ms Sofia McKenzie (25–50% of shares) and Mr Ronald Eley (25–50% of shares).

Who runs Prospectus Mortgages?

Companies House lists 2 directors of Prospectus Mortgages: Ronald Eley and Sofia McKenzie.

How long has Prospectus Mortgages been in business?

The company was formed on 15 March 2022, and has held its current FCA authorisation since February 2024.

What do Prospectus Mortgages’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £6,277 (+90% from £3,300).