Thameside Mortgages Ltd

Reference number: 822200

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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

TenetLime Limited Reference number: 311266 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.
  • Thameside Mortgages Ltd (FRN 822200) is an AR of TenetLime Limited (FRN 311266). When you use Thameside Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Thameside 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.

In the full report: 3 background checks

  • When tsmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 512 0125 is
  • Who else gives the postcode DA13 9BP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TenetLime 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
11473741
Company status
Active
Company type
Private limited company
Incorporated
19 July 2018 (8 years old)
Registered office
49 Sallows Shaw, Cobham, Gravesend, Kent, DA13 9BP, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew David Sheen Director May 1984 19 Jul 2018 None
Lydia Kate Sheen Director Sep 1991 6 Apr 2021 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

Year to 31 July 2025Small company accountsNot audited

Net assets

£2,503

−74% from £9,532

Cash at bank

£4,008

+67% from £2,401

Employees (average)

3

Same as 3

Owed within a year

£33.5k

−17% from £40.6k

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
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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 11473741. 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

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

2026

9 February 2026

  • Lydia Kate Sheen became a part-owner (25–50% of shares)

Companies House

2021

6 April 2021

  • Lydia Kate Sheen appointed as a director

Companies House

2018

3 October 2018

  • Became an appointed representative

FCA register

19 July 2018

  • Incorporated at Companies House
  • Andrew David Sheen took control (75–100% of shares)
  • Andrew David Sheen appointed as a director

Companies House

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

Firms like Thameside Mortgages

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

In Gravesend

Emma WilliamsGravesendAppointed representativeMortgage-EEZ (Kent) LimitedGravesendAppointed representativeOzgur Boran KocakGravesendAppointed representativeStephen PerksGravesendAppointed representativeBoone Hall LimitedGravesendAuthorisedG11 Financial Management LimitedGravesendAuthorised

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 Thameside 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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Thameside Mortgages Ltd FCA authorised?
Thameside Mortgages Ltd (FRN 822200) 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 Thameside 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. Thameside Mortgages Ltd (FRN 822200) is an AR of TenetLime Limited (FRN 311266). When you use Thameside Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thameside 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 Thameside Mortgages’ phone number and website?
The FCA register lists the phone number 0345 512 0125 and the website tsmortgages.co.uk for Thameside Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Thameside Mortgages a scam or clone?
Thameside 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 Thameside Mortgages?
Protection works through TenetLime Limited, the principal firm responsible for Thameside Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Thameside Mortgages?
Companies House lists 2 people with significant control of Thameside Mortgages: Mr Andrew David Sheen (75–100% of shares) and Mrs Lydia Kate Sheen (25–50% of shares).
Who runs Thameside Mortgages?
Companies House lists 2 directors of Thameside Mortgages: Andrew David Sheen and Lydia Kate Sheen.
How long has Thameside Mortgages been in business?
The company was formed on 19 July 2018.
What do Thameside Mortgages’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £2,503 (−74% from £9,532) and cash at bank of £4,008 (+67% from £2,401).

Sources and links

The full report on Thameside Mortgages Ltd

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