Rosa Mortgages Ltd

Reference number: 974141

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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

HL Partnership Limited Reference number: 303397 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.
  • Rosa Mortgages Ltd (FRN 974141) is an AR of HL Partnership Limited (FRN 303397). When you use Rosa Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Rosa 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 rosamortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07746 326568 is, and the other firm that gives it
  • Who else gives the postcode PR9 9JT
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Other names (1)

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

  • Shield Your Family Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
13982479
Company status
Active
Company type
Private limited company
Incorporated
16 March 2022 (4 years old)
Registered office
18 Morley Road, Southport, PR9 9JT, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Samantha Claire Meredith Director Feb 1989 16 Mar 2022 2 other companies
Robert John Molloy Director Sep 1987 16 Mar 2022 2 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
3
still active
3
is FCA-registered
1

In the full report: all 3 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 one on the FCA register
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£11.8k

+19% from £9,942

Cash at bank

£31.6k

+29% from £24.4k

Employees (average)

2

Same as 2

Owed within a year

£20.7k

+42% from £14.6k

Net assets

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 13982479. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (4) All events (8)

2022

14 April 2022

  • Became an appointed representative

FCA register

16 March 2022

  • Incorporated at Companies House
  • Robert John Molloy became a part-owner (25–50% of shares)
  • Samantha Claire Meredith became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Rosa Mortgages

Other FCA-listed firms that share a director, phone number or address with Rosa 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
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Firms like Rosa Mortgages

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

In Southport

All Sorted Mortgages LimitedSouthportAppointed representativeBarron Financial Solutions LtdSouthportAppointed representativeDaniel BaileySouthportAppointed representativeFair Mortgage Advice LtdSouthportAppointed representativeNewton and Associates LimitedSouthportAppointed representativeThe Buy To Let Broker LimitedSouthportAppointed 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 Rosa Mortgages

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Rosa Mortgages Ltd FCA authorised?
Rosa Mortgages Ltd (FRN 974141) 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 Rosa 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. Rosa Mortgages Ltd (FRN 974141) is an AR of HL Partnership Limited (FRN 303397). When you use Rosa Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Rosa 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 Rosa Mortgages’ phone number and website?
The FCA register lists the phone number 07746 326568 and the website rosamortgages.co.uk for Rosa 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 Rosa Mortgages a scam or clone?
Rosa 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 Rosa Mortgages?
Protection works through HL Partnership Limited, the principal firm responsible for Rosa Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Rosa Mortgages?
Companies House lists 2 people with significant control of Rosa Mortgages: Mr Robert John Molloy (25–50% of shares) and Mrs Samantha Claire Meredith (25–50% of shares).
Who runs Rosa Mortgages?
Companies House lists 2 directors of Rosa Mortgages: Samantha Claire Meredith and Robert John Molloy.
How long has Rosa Mortgages been in business?
The company was formed on 16 March 2022.
What do Rosa Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £11.8k (+19% from £9,942) and cash at bank of £31.6k (+29% from £24.4k).
Does Rosa Mortgages use any other names?
It trades as Shield Your Family.

Sources and links

The full report on Rosa Mortgages Ltd

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