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.
- Appointed for 19 years
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 March 2025
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Saorsa Financial Services Limited (FRN 467627) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Saorsa Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Saorsa Financial Services, 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.
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No website on the FCA register
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Phone number
-
Address
6 Kirkwood Avenue, Stepps, Glasgow, North Lanarkshire, G33 6GD, United Kingdom
In the full report: 2 background checks
- What kind of line 07917 694983 is
- Who else gives the postcode G33 6GD
Other names (6)
If you were contacted under any of these names, it is this firm.
- Consumer Choice Financial Services Trading name: A name it trades under now.
- Saorsa Financial Services Ltd Former name: A name it was registered under before.
- Caithness Mortgages Former trading name: A name it used to trade under.
- RE/MAX England North Mortgage Network Former trading name: A name it used to trade under.
- Thee Mortgage Consultancy Former trading name: A name it used to trade under.
- Three Mortgage Consultancy Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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, freeYou 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
- SC276614 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 November 2004 (21 years old)
- Registered office
- 6 Kirkwood Avenue, Glasgow, North Lanarkshire, G33 6GD, Scotland
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Activities of insurance agents and brokers (SIC 66220)
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Simon George Patience | Director | Apr 1974 | 1 Jan 2020 | 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
- still active
- 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
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£27.3k
+10% from £24.7k
Cash at bank
£32.6k
−46% from £60.8k
Employees (average)
0
Same as 0
Owed within a year
£6,838
−81% from £36.1k
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 SC276614. 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
Saorsa Financial Services’s history from the FCA register and Companies House, newest first.
2025
5 November 2025
- Changed its registered name from "Saorsa Financial Services Ltd"
FCA register
29 October 2025
- J L Consultancy Group Limited stopped being a part-owner
- John Johnstone no longer has significant control
Companies House
2022
6 April 2022
- Patience By Name Ltd took control (75–100% of shares)
- Simon George Patience no longer has significant control
Companies House
11 March 2022
- John Johnstone gained significant control
- Simon George Patience gained significant control
Companies House
10 March 2022
- J L Consultancy Group Limited became a part-owner (25–50% of shares)
- John Johnstone stopped being a part-owner
- Reg Macdonald stopped being a part-owner
Companies House
2020
1 January 2020
- John Johnstone became a part-owner (25–50% of shares)
- Simon George Patience gained significant control
Companies House
2016
29 November 2016
- Reg Macdonald became a part-owner (25–50% of shares)
Companies House
2009
20 May 2009
- Board replaced: its only director left and 2 new directors took over
Companies House
2007
8 May 2007
- Became an appointed representative
FCA register
20 April 2007
- Board replaced: its only director left and a new director took over
Companies House
2004
29 November 2004
- Incorporated at Companies House
Companies House
In the full report: all 35 events
- All 35 events in its history (17 shown here)
- Every director appointment and resignation: 9
Firms like Saorsa Financial Services
Other firms of the same type (insurance broker), nearest first.
In Glasgow
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 Saorsa Financial Services
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
- 6 years of accounts, charted
- All 35 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk