The Mortgage Finance Store Limited

Reference number: 223751

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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

First Complete Limited Reference number: 435779 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 Mortgage Finance Store Limited (FRN 223751) is an AR of First Complete Limited (FRN 435779). When you use The Mortgage Finance Store's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Mortgage Finance Store, 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 themortgagefinancestore.co.uk first appeared online, and whether it can receive email
  • What kind of line 01382 562333 is
  • Who else gives the postcode DD4 7RH
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Other names (4)

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

  • Connect Financial Services Trading name
  • CW Mortgages Trading name
  • JEM Financial Solutions Trading name
  • The Mortgage Finance Store Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
SC245264
Company status
Active
Company type
Private limited company
Incorporated
7 March 2003 (23 years old)
Registered office
Office E2.9 Mid Craigie Trading Estate, Mid Craigie Road, Dundee, DD4 7RH, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
David James Leary Director Jan 1958 24 Feb 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 7 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£159k

+2.2% from £155k

Cash at bank

£22.3k

No earlier figure to compare

Employees (average)

7

−22% from 9

Owed within a year

£120k

+59% from £75.2k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 SC245264. 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

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

Key events (6) All events (23)

2026

7 August 2026

  • David James Leary gained significant control
  • James Rice no longer has significant control

Companies House

2024

7 August 2024

  • Changed its registered name from "The Mortgage Finance Store Ltd"

FCA register

2016

6 April 2016

  • James Rice gained significant control

Companies House

2003

20 March 2003

  • Became an appointed representative

FCA register

7 March 2003

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (6 shown here)
  • Every director appointment and resignation: 13
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Firms like The Mortgage Finance Store

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

In Dundee

Commercial Risk Solutions LimitedDundeeAppointed representativeIB Murray & SonDundeeAppointed representativeP J Parker & S MochanDundeeAppointed 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 Mortgage Finance Store

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
  • 6 years of accounts, charted
  • All 23 events in its history

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Frequently asked questions about this firm

Is The Mortgage Finance Store Limited FCA authorised?
The Mortgage Finance Store Limited (FRN 223751) 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 Mortgage Finance Store?
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 Mortgage Finance Store Limited (FRN 223751) is an AR of First Complete Limited (FRN 435779). When you use The Mortgage Finance Store's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Finance Store, 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 Mortgage Finance Store’s phone number and website?
The FCA register lists the phone number 01382 562333 and the website themortgagefinancestore.co.uk for The Mortgage Finance Store. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Finance Store a scam or clone?
The Mortgage Finance Store 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 Mortgage Finance Store?
Protection works through First Complete Limited, the principal firm responsible for The Mortgage Finance Store's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Mortgage Finance Store?
Companies House lists one person with significant control of The Mortgage Finance Store: Mr David James Leary (significant influence or control). Before that, it was controlled by Mr James Rice.
Who runs The Mortgage Finance Store?
Companies House lists one director of The Mortgage Finance Store: David James Leary.
How long has The Mortgage Finance Store been in business?
The company was formed on 7 March 2003.
What do The Mortgage Finance Store’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £159k (+2.2% from £155k) and cash at bank of £22.3k (no earlier figure to compare).
Does The Mortgage Finance Store use any other names?
It trades as Connect Financial Services, CW Mortgages and JEM Financial Solutions. It has previously used the name The Mortgage Finance Store Ltd.

Sources and links

The full report on The Mortgage Finance Store Limited

£19.99 · Instant PDF download

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