Seamless Mortgages Ltd

Reference number: 469604

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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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Seamless Mortgages Ltd (FRN 469604) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Seamless Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Seamless 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.

  • No website on the FCA register

  • Phone number

    0845 388 1375

  • Address

    13 Townhead Terrace, Paisley, Renfrewshire, PA1 2AU, Scotland

In the full report: 2 background checks

  • What kind of line 0845 388 1375 is
  • Who else gives the postcode PA1 2AU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
SC319623
Company status
Active
Company type
Private limited company
Incorporated
27 March 2007 (19 years old)
Registered office
13 Townhead Terrace, Paisley, PA1 2AU
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel Joseph Mcgeehan Director Dec 1974 27 Mar 2007 None
David Mcgrath Director Feb 1974 27 Mar 2007 None
David Mcgrath Secretary Not published 12 Apr 2023 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£98.4k

+163% from £37.4k

Cash at bank

£35.5k

−5.9% from £37.7k

Employees (average)

2

Same as 2

Owed within a year

£10.6k

−54% from £23.0k

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
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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 SC319623. 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

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

2016

30 April 2016

  • David McGrath became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Dan McGeehan became a part-owner (25–50% of shares)

Companies House

2007

28 June 2007

  • Became an appointed representative

FCA register

27 March 2007

  • Incorporated at Companies House
  • Daniel Joseph McGeehan appointed as a director
  • David McGrath appointed as a director

Companies House

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

Firms like Seamless Mortgages

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

In Paisley

CCM Financial LtdPaisleyAppointed representativeColin Steven RoePaisleyAppointed representativeDarren GoldPaisleyAppointed representativeLCA Mortgages LtdPaisleyAppointed representativeMohan SharmaPaisleyAppointed representativeMortgagewise (Scotland) LtdPaisleyAppointed 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 Seamless 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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Seamless Mortgages Ltd FCA authorised?
Seamless Mortgages Ltd (FRN 469604) 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 Seamless 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. Seamless Mortgages Ltd (FRN 469604) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Seamless Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Seamless 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 Seamless Mortgages’ phone number?
The FCA register lists the phone number 0845 388 1375 for Seamless Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Seamless Mortgages a scam or clone?
Seamless 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 Seamless Mortgages?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Seamless Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Seamless Mortgages?
Companies House lists 2 people with significant control of Seamless Mortgages: Mr David McGrath (25–50% of shares) and Mr Dan McGeehan (25–50% of shares).
Who runs Seamless Mortgages?
Companies House lists 2 directors of Seamless Mortgages: Daniel Joseph McGeehan and David McGrath.
How long has Seamless Mortgages been in business?
The company was formed on 27 March 2007.
What do Seamless Mortgages’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £98.4k (+163% from £37.4k) and cash at bank of £35.5k (−5.9% from £37.7k).

Sources and links

The full report on Seamless Mortgages Ltd

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