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.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 30 November 2022
Responsible principal firm
The Lending Channel Ltd Reference number: 626787 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 Fixer Ltd (FRN 1057429) is an AR of The Lending Channel Ltd (FRN 626787). When you use The Mortgage Fixer's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from The Mortgage Fixer, 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
-
Address
5 Carrick Drive, Dalgety Bay, Dunfermline, Fife, KY11 9YB, United Kingdom
In the full report: 2 background checks
- What kind of line 07564 189224 is
- Who else gives the postcode KY11 9YB
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Lending Channel Ltd, 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, freeYou 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
- SC646575 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 November 2019 (6 years old)
- Registered office
- 5 Carrick Drive, Dalgety Bay, KY11 9YB, Scotland
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| China-Jane Walker Newton | Director | Aug 1985 | 8 Nov 2019 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£32
Down £34 from £66
Cash at bank
£4,420
Up £4,383 from £37
Employees (average)
1
Same as 1
Assets and liabilities
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.
Accounts filed at Companies House for company SC646575. 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 Fixer’s history from the FCA register and Companies House, newest first.
2026
15 July 2026
- Became an appointed representative
FCA register
2023
1 January 2023
- Stuart David Newton stopped being a part-owner
Companies House
2019
8 November 2019
- Incorporated at Companies House
- China-Jane Walker Newton became a part-owner (25–50% of shares)
- Stuart David Newton became a part-owner (25–50% of shares)
- China-Jane Walker Newton appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like The Mortgage Fixer
Other firms of the same type (mortgage adviser or broker), nearest first.
In Dunfermline
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 Fixer
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 6 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is The Mortgage Fixer Ltd FCA authorised?
What does appointed representative mean for The Mortgage Fixer?
What is The Mortgage Fixer’s phone number?
Is The Mortgage Fixer a scam or clone?
Is my money safe with The Mortgage Fixer?
Who owns The Mortgage Fixer?
Who runs The Mortgage Fixer?
How long has The Mortgage Fixer been in business?
What do The Mortgage Fixer’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk