QT Financial Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 6 years
Your funds are protected by FSCS
No FCA actions
Active company since 2019
Accounts filed up to 31 May 2025

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

apple-mortgages.co.uk (opens in a new tab)
Phone number

020 8642 0936
Address

Global House, 1 Ashley Avenue, Epsom, Surrey, KT18 5AD, United Kingdom

In the full report: 3 background checks

When apple-mortgages.co.uk first appeared online, and whether it can receive email
What kind of line 020 8642 0936 is
Who else gives the postcode KT18 5AD

Other names (1)

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

Apple Mortgage Solutions Trading name: A name it trades under now.

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 (10 permissions)

Acting as a CBTL advisor
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

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: 11986236 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 May 2019 (7 years old)
Registered office: Parker House, 44 Stafford Road, Wallington, SM6 9AA, England
Nature of business: Activities of mortgage finance companies (SIC 64922)
Life insurance (SIC 65110)
Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Joseph Liam Quigley	Director	Nov 1971	9 May 2019	2 other companies

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 companies: 2
closed down: 2

In the full report: all 2 companies, 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 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

£1,571

Up £822 from £749

Employees (average)

2

Same as 2

Owed within a year

£15.8k

−36% from £24.9k

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

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 11986236. 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

QT Financial’s history from the FCA register and Companies House, newest first.

Key events (6) All events (11)

2020

19 March 2020

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

27 February 2020

Mark Anthony Thorpe stopped being a part-owner

Companies House

2019

9 May 2019

Incorporated at Companies House
Joseph Liam Quigley became a part-owner (25–50% of shares)
Mark Anthony Thorpe became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

All 11 events in its history (6 shown here)
Every director appointment and resignation: 3

Firms connected to QT Financial

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

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

Firms like QT Financial

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

In Epsom

D G S Mortgage Solutions LtdEpsomAuthorised EMS Mortgage ServicesEpsomAuthorised Rjw Financial LimitedEpsomAuthorised Russell Martin Financial Services LimitedEpsomAuthorised The Melia Partnership LtdEpsomAuthorised Andrew AyleyEpsomAppointed 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 QT Financial

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

2 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 11 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is QT Financial Ltd FCA authorised?

Yes, QT Financial Ltd (FRN 913094) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2020 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is QT Financial’s phone number and website?

The FCA register lists the phone number 020 8642 0936 and the website apple-mortgages.co.uk for QT Financial. If you were given different contact details, use these to check with the firm before going any further.

Is QT Financial a scam or clone?

QT Financial 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 QT Financial?

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 QT Financial to the Financial Ombudsman Service, free of charge.

Who owns QT Financial?

Companies House lists one person with significant control of QT Financial: Mr Joseph Liam Quigley (25–50% of shares). Before that, it was controlled by Mr Mark Anthony Thorpe.

Who runs QT Financial?

Companies House lists one director of QT Financial: Joseph Liam Quigley.

How long has QT Financial been in business?

The company was formed on 9 May 2019, and has held its current FCA authorisation since March 2020.

What do QT Financial’s latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £1,571 (up £822 from £749).

Does QT Financial use any other names?

It trades as Apple Mortgage Solutions.