RMA Mortgages Limited

Reference number: 986179

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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

The Right Mortgage Limited Reference number: 649443 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.
  • RMA Mortgages Limited (FRN 986179) is an AR of The Right Mortgage Limited (FRN 649443). When you use RMA Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from RMA 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

    07879 073486

  • Address

    10 Oakleigh House, Hamson Drive, Bollington, Macclesfield, Cheshire East, SK10 5ST, United Kingdom

In the full report: 2 background checks

  • What kind of line 07879 073486 is
  • Who else gives the postcode SK10 5ST
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Other names (1)

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

  • The Specialist Mortgage Broker Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
13472093
Company status
Active
Company type
Private limited company
Incorporated
23 June 2021 (5 years old)
Registered office
10 Oakleigh House Hamson Drive, Bollington, Macclesfield, SK10 5ST, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ryan John Bowers Director Jan 1984 23 Jun 2021 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
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

£312

−87% from £2,325

Employees (average)

1

Same as 1

Owed within a year

£3,928

−42% from £6,752

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13472093. 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

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

2022

2 November 2022

  • Began trading as "The Specialist Mortgage Broker"

FCA register

28 October 2022

  • Became an appointed representative

FCA register

2021

23 June 2021

  • Incorporated at Companies House
  • Ryan John Bowers took control (75–100% of shares)
  • Ryan John Bowers appointed as a director

Companies House

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

Firms like RMA Mortgages

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

In Macclesfield

Andrew OakesMacclesfieldAppointed representativeCheshire Mortgage CentreMacclesfieldAppointed representativeCheshire Mortgage Solutions LtdMacclesfieldAppointed representativeGecko Mortgage Brokers LtdMacclesfieldAppointed representativeMarquis Financial Services LimitedMacclesfieldAppointed representativeOptimise Money Group LimitedMacclesfieldAppointed 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 RMA 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
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is RMA Mortgages Limited FCA authorised?
RMA Mortgages Limited (FRN 986179) 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 RMA 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. RMA Mortgages Limited (FRN 986179) is an AR of The Right Mortgage Limited (FRN 649443). When you use RMA Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from RMA 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 RMA Mortgages’ phone number?
The FCA register lists the phone number 07879 073486 for RMA Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is RMA Mortgages a scam or clone?
RMA 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 RMA Mortgages?
Protection works through The Right Mortgage Limited, the principal firm responsible for RMA Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns RMA Mortgages?
Companies House lists one person with significant control of RMA Mortgages: Mr Ryan John Bowers (75–100% of shares).
Who runs RMA Mortgages?
Companies House lists one director of RMA Mortgages: Ryan John Bowers.
How long has RMA Mortgages been in business?
The company was formed on 23 June 2021.
What do RMA Mortgages’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £312 (−87% from £2,325).
Does RMA Mortgages use any other names?
It trades as The Specialist Mortgage Broker.

Sources and links

The full report on RMA Mortgages Limited

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