The Beautiful Mortgage Company Ltd

Reference number: 1043661

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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

Ingard Financial Limited Reference number: 450731 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.
  • The Beautiful Mortgage Company Ltd (FRN 1043661) is an AR of Ingard Financial Limited (FRN 450731). When you use The Beautiful Mortgage Company's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Beautiful Mortgage Company, 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

    07805 991473

  • Address

    74 Dean Court Road, Rottingdean, Brighton, Brighton And Hove, BN2 7DJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07805 991473 is
  • Who else gives the postcode BN2 7DJ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial 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
16711763
Company status
Active
Company type
Private limited company
Incorporated
11 September 2025 (1 year old)
Registered office
74 Dean Court Road, Rottingdean, Brighton, BN2 7DJ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Gemma Louise Denness Director Aug 1983 11 Sep 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

The Beautiful Mortgage Company’s history from the FCA register and Companies House, newest first.

2025

21 October 2025

  • Became an appointed representative

FCA register

11 September 2025

  • Incorporated at Companies House
  • Gemma Louise Denness took control (75–100% of shares)
  • Gemma Louise Denness appointed as a director

Companies House

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

Firms like The Beautiful Mortgage Company

Other firms of the same type (insurance broker), nearest first.

In Brighton

INTO University Partnerships LimitedBrightonAppointed representativeBusiness Insurance Brokers LtdBrightonAppointed representativeGraves Son & Pilcher LLPBrightonAppointed representativeHCI Group Global (UK) LimitedBrightonAppointed representativeHealthCare International Europe GmbH-UK BranchBrightonAppointed representativeJustablip LimitedBrightonAppointed 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 The Beautiful Mortgage Company

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

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Frequently asked questions about this firm

Is The Beautiful Mortgage Company Ltd FCA authorised?
The Beautiful Mortgage Company Ltd (FRN 1043661) 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 The Beautiful Mortgage Company?
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. The Beautiful Mortgage Company Ltd (FRN 1043661) is an AR of Ingard Financial Limited (FRN 450731). When you use The Beautiful Mortgage Company's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Beautiful Mortgage Company, 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 The Beautiful Mortgage Company’s phone number?
The FCA register lists the phone number 07805 991473 for The Beautiful Mortgage Company. If you were given different contact details, use these to check with the firm before going any further.
Is The Beautiful Mortgage Company a scam or clone?
The Beautiful Mortgage Company 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 The Beautiful Mortgage Company?
Protection works through Ingard Financial Limited, the principal firm responsible for The Beautiful Mortgage Company's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Beautiful Mortgage Company?
Companies House lists one person with significant control of The Beautiful Mortgage Company: Miss Gemma Louise Denness (75–100% of shares).
Who runs The Beautiful Mortgage Company?
Companies House lists one director of The Beautiful Mortgage Company: Gemma Louise Denness.
How long has The Beautiful Mortgage Company been in business?
The company was formed on 11 September 2025.

Sources and links

The full report on The Beautiful Mortgage Company Ltd

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