Smart Mortgages And Protection Ltd

Reference number: 1036011

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

Sesame Limited Reference number: 150427 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.
  • Smart Mortgages And Protection Ltd (FRN 1036011) is an AR of Sesame Limited (FRN 150427). When you use Smart Mortgages And Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smart Mortgages And Protection, 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

    07482 225492

  • Address

    Riverbank House, Putney Bridge Approach, London, SW6 3JD, England

In the full report: 2 background checks

  • What kind of line 07482 225492 is
  • Who else gives the postcode SW6 3JD
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
16450163
Company status
Active
Company type
Private limited company
Incorporated
14 May 2025 (1 year old)
Registered office
Riverbank House, Putney Bridge Approach, London, Greater London, SW6 3JD, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy Edward Smart Director Aug 1978 14 May 2025 None

In the full report: every company its directors have run

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

Key dates in its history

Smart Mortgages And Protection’s history from the FCA register and Companies House, newest first.

2025

14 July 2025

  • Became an appointed representative

FCA register

14 May 2025

  • Incorporated at Companies House
  • Timothy Edward Smart took control (75–100% of shares)
  • Timothy Edward Smart appointed as a director

Companies House

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

Firms connected to Smart Mortgages And Protection

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Smart Mortgages And Protection

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

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed 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 Smart Mortgages And Protection

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
  • All 4 events in its history
  • 4 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Smart Mortgages And Protection Ltd FCA authorised?
Smart Mortgages And Protection Ltd (FRN 1036011) 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 Smart Mortgages And Protection?
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 Mortgages And Protection Ltd (FRN 1036011) is an AR of Sesame Limited (FRN 150427). When you use Smart Mortgages And Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smart Mortgages And Protection, 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 Smart Mortgages And Protection’s phone number?
The FCA register lists the phone number 07482 225492 for Smart Mortgages And Protection. If you were given different contact details, use these to check with the firm before going any further.
Is Smart Mortgages And Protection a scam or clone?
Smart Mortgages And Protection 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 Smart Mortgages And Protection?
Protection works through Sesame Limited, the principal firm responsible for Smart Mortgages And Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Smart Mortgages And Protection?
Companies House lists one person with significant control of Smart Mortgages And Protection: Mr Timothy Edward Smart (75–100% of shares).
Who runs Smart Mortgages And Protection?
Companies House lists one director of Smart Mortgages And Protection: Timothy Edward Smart.
How long has Smart Mortgages And Protection been in business?
The company was formed on 14 May 2025.

Sources and links

The full report on Smart Mortgages And Protection Ltd

£19.99 · Instant PDF download

Loading secure checkout…