South Somerset Mortgages Ltd

Reference number: 457099

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • South Somerset Mortgages Ltd (FRN 457099) is an AR of Quilter Financial Services Limited (FRN 440703). When you use South Somerset Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from South Somerset 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

    01460 68222

  • Address

    34 Fore Street, Chard, Somerset, TA20 1PT, United Kingdom

In the full report: 2 background checks

  • What kind of line 01460 68222 is
  • Who else gives the postcode TA20 1PT
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Other names (4)

If you were contacted under any of these names, it is this firm.

  • Bernas Coni Warren Trading name
  • Paul Fenton Financial Services Trading name
  • Paul Fenton Homebuyer Services Trading name
  • The Mortgage Clinic (Taunton) Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter 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 name
SOUTH SOMERSET MORTGAGES LIMITED
Company number
05573041
Company status
Active
Company type
Private limited company
Incorporated
23 September 2005 (21 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin Connor Fenton Director Jan 2001 22 May 2023 None
Paul Reginald Clive Fenton Secretary Not published 15 Sep 2006 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 5 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Total equity

−£80.2k

Up £10.9k from −£91.1k

Employees (average)

4

Same as 4

Owed within a year

£65.8k

+287% from £17.0k

Total equity is negative: on its last balance sheet the company owed £80.2k more than it owned.

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
Instant PDF download
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 05573041. 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

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

Key events (5) All events (19)

2025

25 June 2025

  • Benjamin Connor Fenton took control (75–100% of shares)
  • Paul Reginald Clive Fenton gave up control

Companies House

2016

6 April 2016

  • Paul Reginald Clive Fenton took control (75–100% of shares)

Companies House

2006

12 September 2006

  • Became an appointed representative

FCA register

2005

23 September 2005

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (5 shown here)
  • Every director appointment and resignation: 9
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Firms connected to South Somerset Mortgages

Other FCA-listed firms that share a director, phone number or address with South Somerset 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
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Firms like South Somerset Mortgages

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

In Chard

Jonathan Paul SouthgateChardAppointed representativeGraham ShawChardAuthorised

In the Taunton (TA) postcode area

Steve Sivell Financial Services LimitedCrewkerneAppointed representativeAnnette WattIlminsterAppointed representativeCherie Ann KayeWellingtonAppointed representativeClark Shaw Commercial LimitedTauntonAppointed 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 South Somerset 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 19 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is South Somerset Mortgages Ltd FCA authorised?
South Somerset Mortgages Ltd (FRN 457099) 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 South Somerset 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. South Somerset Mortgages Ltd (FRN 457099) is an AR of Quilter Financial Services Limited (FRN 440703). When you use South Somerset Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from South Somerset 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 South Somerset Mortgages’ phone number?
The FCA register lists the phone number 01460 68222 for South Somerset Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is South Somerset Mortgages a scam or clone?
South Somerset 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 South Somerset Mortgages?
Protection works through Quilter Financial Services Limited, the principal firm responsible for South Somerset Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns South Somerset Mortgages?
Companies House lists one person with significant control of South Somerset Mortgages: Mr Benjamin Connor Fenton (75–100% of shares). Before that, it was controlled by Mr Paul Reginald Clive Fenton.
Who runs South Somerset Mortgages?
Companies House lists one director of South Somerset Mortgages: Benjamin Connor Fenton.
How long has South Somerset Mortgages been in business?
The company was formed on 23 September 2005.
What do South Somerset Mortgages’ latest accounts show?
Its latest accounts, to 31 May 2025, show total equity of −£80.2k (up £10.9k from −£91.1k).
Does South Somerset Mortgages use any other names?
It trades as Bernas Coni Warren, Paul Fenton Financial Services and Paul Fenton Homebuyer Services. It has previously used the name The Mortgage Clinic (Taunton).

Sources and links

The full report on South Somerset Mortgages Ltd

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