Springate Mortgages and Protection Ltd

Reference number: 1023821

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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

The Right Mortgage Limited Reference number: 649443 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.
  • SPRINGATE MORTGAGES AND PROTECTION LTD (FRN 1023821) is an AR of The Right Mortgage Limited (FRN 649443). When you use SPRINGATE MORTGAGES AND PROTECTION's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SPRINGATE 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

    07740 366901

  • Address

    32 Springate Road, Southwick, Brighton, West Sussex, BN42 4LF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07740 366901 is
  • Who else gives the postcode BN42 4LF
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Other names (1)

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

  • Springate Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
16049903
Company status
Active
Company type
Private limited company
Incorporated
29 October 2024 (2 years old)
Registered office
32 Springate Road, Southwick, Brighton, West Sussex, BN42 4LF, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Smith Director Feb 1990 29 Oct 2024 None
Zeta Smith Director Feb 1992 29 Oct 2024 None

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

17 months to 31 March 2026Micro-entity accountsNot audited

Net assets

£5,697

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£12.4k

No earlier figure to compare

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 16049903. 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

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

Key events (4) All events (7)

2025

14 January 2025

  • Became an appointed representative

FCA register

2024

29 October 2024

  • Incorporated at Companies House
  • Jonathan Smith became a part-owner (25–50% of shares)
  • Zeta Smith became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Springate Mortgages and Protection

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

In Brighton

Adele TomasinBrightonAppointed representativeColin WarburtonBrightonAppointed representativeEdward ClarkBrightonAppointed representativeFrancis FraserBrightonAppointed representativeGaskells I.M.A. LimitedBrightonAppointed representativeJonathan Lloyd HeathBrightonAppointed 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 Springate 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 7 events in its history

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Frequently asked questions about this firm

Is Springate Mortgages and Protection Ltd FCA authorised?
Springate Mortgages and Protection Ltd (FRN 1023821) 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 Springate 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. Springate Mortgages and Protection Ltd (FRN 1023821) is an AR of The Right Mortgage Limited (FRN 649443). When you use Springate Mortgages and Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Springate 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 Springate Mortgages and Protection’s phone number?
The FCA register lists the phone number 07740 366901 for Springate Mortgages and Protection. If you were given different contact details, use these to check with the firm before going any further.
Is Springate Mortgages and Protection a scam or clone?
Springate 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 Springate Mortgages and Protection?
Protection works through The Right Mortgage Limited, the principal firm responsible for Springate Mortgages and Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Springate Mortgages and Protection?
Companies House lists 2 people with significant control of Springate Mortgages and Protection: Mr Jonathan Smith (25–50% of shares) and Mrs Zeta Smith (25–50% of shares).
Who runs Springate Mortgages and Protection?
Companies House lists 2 directors of Springate Mortgages and Protection: Jonathan Smith and Zeta Smith.
How long has Springate Mortgages and Protection been in business?
The company was formed on 29 October 2024.
What do Springate Mortgages and Protection’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £5,697 (no earlier figure to compare).
Does Springate Mortgages and Protection use any other names?
It trades as Springate Mortgages.

Sources and links

The full report on Springate Mortgages and Protection Ltd

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