Ros Mortgages Limited

Reference number: 1051354

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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

Arkke Capital Ltd Reference number: 952414 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.
  • ROS MORTGAGES LIMITED (FRN 1051354) is an AR of Arkke Capital Ltd (FRN 952414). When you use ROS MORTGAGES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ROS 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.

In the full report: 3 background checks

  • When rosmortgages.com first appeared online, and whether it can receive email
  • What kind of line 07925 422771 is
  • Who else gives the postcode SA4 4ZB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Arkke Capital Ltd, 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
16402797
Company status
Active
Company type
Private limited company
Incorporated
23 April 2025 (1 year old)
Registered office
20 Heol Penycae, Gorseinon, Swansea, SA4 4ZB, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Sonu Kunjumon Kanjirathummoottil Director Sep 1990 23 Apr 2025 None
Suresh Mathew Director May 1975 23 Apr 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

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

2026

9 March 2026

  • Became an appointed representative

FCA register

2025

23 April 2025

  • Incorporated at Companies House
  • Sonu Kunjumon Kanjirathummoottil became a part-owner (25–50% of shares)
  • Suresh Mathew became a part-owner (25–50% of shares)
  • Sonu Kunjumon kanjirathummoottil appointed as a director
  • Suresh Mathew appointed as a director

Companies House

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

Firms like Ros Mortgages

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

In Swansea

Blackbear Finance LimitedSwanseaAppointed representativeCariad Mortgage Solutions LtdSwanseaAppointed representativeCoast Financial Solutions LtdSwanseaAppointed representativeDawsonsSwanseaAppointed representativeDb Mortgage Advice Co LimitedSwanseaAppointed representativeDean Vaughan LimitedSwanseaAppointed 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 Ros Mortgages

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
  • 3 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Ros Mortgages Limited FCA authorised?
Ros Mortgages Limited (FRN 1051354) 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 Ros 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. Ros Mortgages Limited (FRN 1051354) is an AR of Arkke Capital Ltd (FRN 952414). When you use Ros Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ros 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 Ros Mortgages’ phone number and website?
The FCA register lists the phone number 07925 422771 and the website rosmortgages.com for Ros Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Ros Mortgages a scam or clone?
Ros 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 Ros Mortgages?
Protection works through Arkke Capital Ltd, the principal firm responsible for Ros Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ros Mortgages?
Companies House lists 2 people with significant control of Ros Mortgages: Mr Suresh Mathew (25–50% of shares) and Mr Sonu Kunjumon Kanjirathummoottil (25–50% of shares).
Who runs Ros Mortgages?
Companies House lists 2 directors of Ros Mortgages: Sonu Kunjumon Kanjirathummoottil and Suresh Mathew.
How long has Ros Mortgages been in business?
The company was formed on 23 April 2025.

Sources and links

The full report on Ros Mortgages Limited

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