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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2018
- Accounts filed up to 31 March 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Smart Choice Mortgages Ltd (FRN 828359) is an AR of First Complete Limited (FRN 435779). When you use Smart Choice Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Smart Choice 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.
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No website on the FCA register
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Phone number
-
Address
20a Havelock Street, Glasgow, G11 5JA, United Kingdom
In the full report: 2 background checks
- What kind of line 07969 040665 is
- Who else gives the postcode G11 5JA
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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 name
- SMART CHOICE MORTGAGES LIMITED
- Company number
- SC613306 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 November 2018 (7 years old)
- Registered office
- 20a Havelock Street, Glasgow, G11 5JA, Scotland
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sarah Martin | Director | Oct 1984 | 5 Dec 2018 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
£726
Up £429 from £297
Cash at bank
£15.2k
−31% from £22.2k
Owed within a year
£11.3k
−33% from £16.8k
No turnover or profit for the year to 31 March 2025: the accounts print them but do not tag them. The last tagged figures are £47.4k turnover and £47.4k profit, for the year to 31 March 2022.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- Both charts, 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 SC613306. 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
Smart Choice Mortgages’s history from the FCA register and Companies House, newest first.
2018
11 December 2018
- Became an appointed representative
FCA register
5 December 2018
- Alan Stewart gave up control
- Sarah Martin took control (75–100% of shares)
Companies House
12 November 2018
- Incorporated at Companies House
- Alan Stewart took control (75–100% 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
Firms connected to Smart Choice Mortgages
Other FCA-listed firms that share a director, phone number or address with Smart Choice 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 Smart Choice Mortgages
Other firms of the same type (mortgage adviser or 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 Smart Choice 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
- 6 years of accounts, charted
- All 8 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Who runs Smart Choice Mortgages?
How long has Smart Choice Mortgages been in business?
What do Smart Choice Mortgages’ latest accounts show?
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