Simple Approach Mortgages Perth & Dundee Ltd

Reference number: 963678

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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

First Complete Limited Reference number: 435779 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.
  • Simple Approach Mortgages Perth & Dundee Ltd (FRN 963678) is an AR of First Complete Limited (FRN 435779). When you use Simple Approach Mortgages Perth & Dundee's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Simple Approach Mortgages Perth & Dundee, 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

    01738 827864

  • Address

    13-15 St. Leonards Bridge, Perth, PH2 0DR, United Kingdom

In the full report: 2 background checks

  • What kind of line 01738 827864 is
  • Who else gives the postcode PH2 0DR
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
SC703417
Company status
Active
Company type
Private limited company
Incorporated
5 July 2021 (5 years old)
Registered office
Number One Rosemount, Parkhead Road, Blairgowrie, PH10 6LW, Scotland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Ray Gary Millar Director Dec 1980 5 Jul 2021 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

−£24.3k

Up £11.0k from −£35.3k

Cash at bank

£7,531

Up £7,350 from £181

Employees (average)

1

Same as 1

Owed within a year

£42.7k

+18% from £36.2k

Net assets are negative: on its last balance sheet the company owed £24.3k more than it owned.

Net assets

In the full report: all 4 years of accounts

  • Every year from 2022 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 SC703417. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Simple Approach Mortgages Perth & Dundee’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2024

9 February 2024

  • Alison Agnes Millar stopped being a part-owner

Companies House

2021

8 November 2021

  • Became an appointed representative

FCA register

5 July 2021

  • Incorporated at Companies House
  • Alison Agnes Millar became a part-owner (25–50% of shares)
  • Ray Gary Millar became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Simple Approach Mortgages Perth & Dundee

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

In Perth

Derek Alexander WoodcockPerthAppointed representativeHH Mortgage ConsultancyPerthAppointed representativeLNK Mortgages LtdPerthAppointed representativeMBM Finance LtdPerthAppointed representativePerth Mortgage CentrePerthAppointed representativeThe Lending Channel LtdPerthAuthorised

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 Simple Approach Mortgages Perth & Dundee

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
  • 4 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Simple Approach Mortgages Perth & Dundee Ltd FCA authorised?
Simple Approach Mortgages Perth & Dundee Ltd (FRN 963678) 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 Simple Approach Mortgages Perth & Dundee?
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. Simple Approach Mortgages Perth & Dundee Ltd (FRN 963678) is an AR of First Complete Limited (FRN 435779). When you use Simple Approach Mortgages Perth & Dundee's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Simple Approach Mortgages Perth & Dundee, 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 Simple Approach Mortgages Perth & Dundee’s phone number?
The FCA register lists the phone number 01738 827864 for Simple Approach Mortgages Perth & Dundee. If you were given different contact details, use these to check with the firm before going any further.
Is Simple Approach Mortgages Perth & Dundee a scam or clone?
Simple Approach Mortgages Perth & Dundee 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 Simple Approach Mortgages Perth & Dundee?
Protection works through First Complete Limited, the principal firm responsible for Simple Approach Mortgages Perth & Dundee's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Simple Approach Mortgages Perth & Dundee?
Companies House lists one person with significant control of Simple Approach Mortgages Perth & Dundee: Mr Ray Gary Millar (25–50% of shares). Before that, it was controlled by Mrs Alison Agnes Millar.
Who runs Simple Approach Mortgages Perth & Dundee?
Companies House lists one director of Simple Approach Mortgages Perth & Dundee: Ray Gary Millar.
How long has Simple Approach Mortgages Perth & Dundee been in business?
The company was formed on 5 July 2021.
What do Simple Approach Mortgages Perth & Dundee’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of −£24.3k (up £11.0k from −£35.3k) and cash at bank of £7,531 (up £7,350 from £181).

Sources and links

The full report on Simple Approach Mortgages Perth & Dundee Ltd

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