Sea Sense Mortgages Ltd

Reference number: 228858

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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.

Appointed for 23 years
Protected through the principal
No FCA actions
Active company since 2003
Accounts filed up to 31 August 2025

Responsible principal firm

The Right Mortgage Limited Reference number: 649443 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.
Sea Sense Mortgages Ltd (FRN 228858) is an AR of The Right Mortgage Limited (FRN 649443). When you use Sea Sense Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Sea Sense 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.

Website

website.com (opens in a new tab)
Phone number

01202 01202
Address

55 Christchurch Road, Ringwood, Hampshire, BH24 1DH, United Kingdom

In the full report: 3 background checks

When website.com first appeared online, and whether it can receive email
What kind of line 01202 01202 is
Who else gives the postcode BH24 1DH

FCA permissions and consumer protection

Protection through the principal firm
Protection works through The Right Mortgage 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 name: SEA SENSE MORTGAGES LIMITED
Company number: 04812721 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 26 June 2003 (23 years old)
Registered office: St Mary's House, Netherhampton, Salisbury, Wiltshire, SP2 8PU, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Richard Leslie Fuller	Director	May 1961	26 Jun 2003	None
Sarah Mary Fuller	Director	Mar 1972	25 Mar 2010	None
Sarah Mary Fuller	Secretary	Not published	26 Jun 2003	–

In the full report: every company its directors have run

Confirmation that these 2 directors run no other company
All 6 people who have been directors, with their dates

Filed accounts and finances

Year to 31 August 2025Full accountsNot audited

Net assets

£225

−86% from £1,596

Cash at bank

£38.9k

+55% from £25.0k

Employees (average)

Same as 3

Owed within a year

£43.4k

+43% from £30.4k

Net assets

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

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.

Accounts filed at Companies House for company 04812721. 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

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

Key events (4) All events (12)

2016

6 April 2016

Richard Leslie Fuller became the majority owner (50–75% of shares)
Sarah Mary Fuller became the majority owner (50–75% of shares)

Companies House

2003

9 October 2003

Became an appointed representative

FCA register

26 June 2003

Incorporated at Companies House

Companies House

In the full report: all 12 events

All 12 events in its history (4 shown here)
Every director appointment and resignation: 8

Firms connected to Sea Sense Mortgages

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Sea Sense Mortgages

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

In the Bournemouth (BH) postcode area

Adam RobertsPooleAppointed representative Advanced Mortgage Services LimitedBournemouthAppointed representative Advisory Financial ServicesWimbourneAppointed representative Alexander Adams Mortgage Services LtdNew MiltonAppointed representative Ayla Mortgages LtdRingwoodAppointed representative Barrett Mortgages LtdPooleAppointed 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 Sea Sense 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
7 years of accounts, charted
All 12 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Sea Sense Mortgages Ltd FCA authorised?

Sea Sense Mortgages Ltd (FRN 228858) 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 Sea Sense 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. Sea Sense Mortgages Ltd (FRN 228858) is an AR of The Right Mortgage Limited (FRN 649443). When you use Sea Sense Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sea Sense 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 Sea Sense Mortgages’ phone number and website?

The FCA register lists the phone number 01202 01202 and the website website.com for Sea Sense Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Sea Sense Mortgages a scam or clone?

Sea Sense 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 Sea Sense Mortgages?

Protection works through The Right Mortgage Limited, the principal firm responsible for Sea Sense Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Sea Sense Mortgages?

Companies House lists 2 people with significant control of Sea Sense Mortgages: Mrs Sarah Mary Fuller (50–75% of shares) and Richard Leslie Fuller (50–75% of shares).

Who runs Sea Sense Mortgages?

Companies House lists 2 directors of Sea Sense Mortgages: Richard Leslie Fuller and Sarah Mary Fuller.

How long has Sea Sense Mortgages been in business?

The company was formed on 26 June 2003.

What do Sea Sense Mortgages’ latest accounts show?

Its latest accounts, to 31 August 2025, show net assets of £225 (−86% from £1,596) and cash at bank of £38.9k (+55% from £25.0k).

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