Scmortgages Ltd

Reference number: 811749

Instant download

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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • SCMORTGAGES LTD (FRN 811749) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use SCMORTGAGES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SCMORTGAGES, 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

    07428 603023

  • Address

    85 Harland Road, Lincoln, Lincolnshire, LN2 4GW, United Kingdom

In the full report: 2 background checks

  • What kind of line 07428 603023 is
  • Who else gives the postcode LN2 4GW
Instant PDF download
Other names (1)

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

  • SC Mortgages & Protection Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
11412996
Company status
Active
Company type
Private limited company
Incorporated
13 June 2018 (8 years old)
Registered office
85 Harland Road, Lincoln, Lincolnshire, LN2 4GW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Shane Michael Douglas Clancy Director Jan 1992 13 Jun 2018 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£657

Up £593 from £64

Employees (average)

1

Same as 1

Owed within a year

£28.5k

−7.8% from £30.9k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 11412996. 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

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

Key events (3) All events (7)

2018

2 July 2018

  • Became an appointed representative

FCA register

13 June 2018

  • Incorporated at Companies House
  • Shane Michael Douglas Clancy took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 1
Instant PDF download

Firms like Scmortgages

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

In Lincoln

3D Mortgages LtdLincolnAppointed representativeAlan WardLincolnAppointed representativeAndy Wilson Financial Services LtdLincolnAppointed representativeAspire Mortgages (Sleaford) LtdLincolnAppointed representativeEagle Mortgages & Protection LtdLincolnAppointed representativeGemma BrownLincolnAppointed 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 Scmortgages

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 7 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Scmortgages Ltd FCA authorised?
Scmortgages Ltd (FRN 811749) 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 Scmortgages?
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. Scmortgages Ltd (FRN 811749) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Scmortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Scmortgages, 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 Scmortgages’ phone number?
The FCA register lists the phone number 07428 603023 for Scmortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Scmortgages a scam or clone?
Scmortgages 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 Scmortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Scmortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Scmortgages?
Companies House lists one person with significant control of Scmortgages: Mr Shane Michael Douglas Clancy (75–100% of shares).
Who runs Scmortgages?
Companies House lists one director of Scmortgages: Shane Michael Douglas Clancy.
How long has Scmortgages been in business?
The company was formed on 13 June 2018.
What do Scmortgages’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £657 (up £593 from £64).
Does Scmortgages use any other names?
It has previously used the name SC Mortgages & Protection.

Sources and links

The full report on Scmortgages Ltd

£19.99 · Instant PDF download

Loading secure checkout…