Rooftop Mortgages Limited

Reference number: 303059

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Authorised by the FCA

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

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.

In the full report: 3 background checks

  • When rooftopmortgages.com first appeared online, and whether it can receive email
  • What kind of line 01473 907878 is, and the other firm that gives it
  • Who else gives the postcode IP1 3HS
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Other names (3)

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

  • Rooftop Trading name
  • Rooftop Direct Former trading name
  • Rooftop Service Centre Former trading name

FCA permissions and consumer protection

  • 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 (2 permissions)
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender

Limits on what they may do

  • Client money mortgage only
    Permitted to hold and control client money only in respect of Regulated Mortgage Contracts

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
04621865
Company status
Active
Company type
Private limited company
Incorporated
19 December 2002 (23 years old)
Registered office
1st Floor, Crown House, Crown Street, Ipswich, IP1 3HS, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon Gerardus Fitness Director May 1981 2 May 2024 3 other companies
Frank Horvath Director Oct 1964 14 Jul 2025 3 other companies

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 companies
4
still active
4
are FCA-registered
2

In the full report: all 4 companies, 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 2 on the FCA register
  • The 2 companies these 2 directors run together
  • All 35 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (9) All events (86)

2016

29 July 2016

  • Board replaced: both directors left and 3 new directors took over
  • Bcm Asset Services (Holdings) Limited took control (75–100% of shares)
  • Rooftop Holdings Limited gave up control

Companies House

6 April 2016

  • Rooftop Holdings Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

4 January 2007

  • FCA imposed a requirement (Client money mortgage only)

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

19 December 2002

  • Incorporated at Companies House

Companies House

In the full report: all 86 events

  • All 86 events in its history (9 shown here)
  • Every director appointment and resignation: 68
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Firms connected to Rooftop Mortgages

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
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Firms like Rooftop Mortgages

Other firms of the same type (mortgage lender), nearest first.

In Ipswich

BCMGlobal Mortgage Services LimitedIpswichAuthorised

Elsewhere in the UK

Yorkshire Bank Home Loans LimitedNewcastle-upon-TyneAuthorisedAviva Equity Release UK LimitedYorkAuthorisedAdmiral Financial Services LimitedCardiffAuthorisedLegal & General Home Finance LimitedSolihullAuthorisedPrudential Lifetime Mortgages LimitedLondonAuthorised

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 Rooftop Mortgages

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 86 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Rooftop Mortgages Limited FCA authorised?
Yes, Rooftop Mortgages Limited (FRN 303059) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage lender. The FCA has placed a limit on what it may do.
What is Rooftop Mortgages’ phone number and website?
The FCA register lists the phone number 01473 907878 and the website rooftopmortgages.com for Rooftop 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 Rooftop Mortgages a scam or clone?
Rooftop 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 Rooftop 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 Rooftop Mortgages to the Financial Ombudsman Service, free of charge.
Who owns Rooftop Mortgages?
Rooftop Mortgages is owned by Bcm Asset Services (Holdings) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 July 2016. Before that, it was controlled by Rooftop Holdings Limited.
Who runs Rooftop Mortgages?
Companies House lists 2 directors of Rooftop Mortgages: Simon Gerardus Fitness and Frank Horvath.
How long has Rooftop Mortgages been in business?
The company was formed on 19 December 2002, and has held its current FCA authorisation since October 2004.
Does Rooftop Mortgages use any other names?
It trades as Rooftop. It has previously used 2 other names: Rooftop Direct and Rooftop Service Centre.

Sources and links

The full report on Rooftop Mortgages Limited

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