Prudent Mortgage Solutions Limited

Reference number: 484083

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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

Sesame Limited Reference number: 150427 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.
  • Prudent Mortgage Solutions Limited (FRN 484083) is an AR of Sesame Limited (FRN 150427). When you use Prudent Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Prudent Mortgage Solutions, 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

    020 3295 5555

  • Address

    Suite H, Hollies House, 230 High Street, Potters Bar, Hertfordshire, EN6 5BL, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 3295 5555 is
  • Who else gives the postcode EN6 5BL
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Other names (1)

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

  • Prudent Mortgage Solutions Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
11891066
Company status
Active
Company type
Private limited company
Incorporated
19 March 2019 (7 years old)
Registered office
Building 3 North London Business Park, Oakleigh Road South, London, N11 1GN, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Georgiou Director Aug 1982 19 Mar 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£45.4k

+16% from £39.3k

Employees (average)

2

Same as 2

Owed within a year

£25.1k

+59% from £15.8k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 11891066. 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

Prudent Mortgage Solutions’s history from the FCA register and Companies House, newest first.

2019

4 April 2019

  • Changed its registered name from "Prudent Mortgage Solutions"

FCA register

19 March 2019

  • Incorporated at Companies House
  • Christopher Georgiou became a part-owner (25–50% of shares)
  • Maria Georgiou became a part-owner (25–50% of shares)
  • Christopher Georgiou appointed as a director

Companies House

2008

3 June 2008

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Prudent Mortgage Solutions

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Prudent Mortgage Solutions

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

In Potters Bar

Fodel Mortgages LimitedPotters BarAppointed representativeFuad-Al-Wasif KamalPotters BarAppointed representativeInfinite Finance LimitedPotters BarAppointed representativeProlific Mortgage Finance LtdPotters BarAppointed representativeProperty Finance LimitedPotters BarAppointed representativeBlue Frog Finance LimitedPotters BarAuthorised

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 Prudent Mortgage Solutions

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Prudent Mortgage Solutions Limited FCA authorised?
Prudent Mortgage Solutions Limited (FRN 484083) 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 Prudent Mortgage Solutions?
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. Prudent Mortgage Solutions Limited (FRN 484083) is an AR of Sesame Limited (FRN 150427). When you use Prudent Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Prudent Mortgage Solutions, 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 Prudent Mortgage Solutions’ phone number?
The FCA register lists the phone number 020 3295 5555 for Prudent Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Prudent Mortgage Solutions a scam or clone?
Prudent Mortgage Solutions 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 Prudent Mortgage Solutions?
Protection works through Sesame Limited, the principal firm responsible for Prudent Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Prudent Mortgage Solutions?
Companies House lists 2 people with significant control of Prudent Mortgage Solutions: Mr Christopher Georgiou (25–50% of shares) and Mrs Maria Georgiou (25–50% of shares).
Who runs Prudent Mortgage Solutions?
Companies House lists one director of Prudent Mortgage Solutions: Christopher Georgiou.
How long has Prudent Mortgage Solutions been in business?
The company was formed on 19 March 2019.
What do Prudent Mortgage Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £45.4k (+16% from £39.3k).
Does Prudent Mortgage Solutions use any other names?
It has previously used the name Prudent Mortgage Solutions.

Sources and links

The full report on Prudent Mortgage Solutions Limited

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