The Mortgage Mill Ltd: FCA regulated?

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 4 years
Protected through the principal
No FCA actions
Active company since 2021
Accounts filed up to 31 March 2025

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 Mill Ltd (FRN 968431) is an AR of First Complete Limited (FRN 435779). When you use The Mortgage Mill's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from The Mortgage Mill, 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

0161 627 5698
Address

6 Ripponden Business Park, Ripponden, Sowerby Bridge, West Yorkshire, HX6 4FF, United Kingdom

In the full report: 2 background checks

What kind of line 0161 627 5698 is
Who else gives the postcode HX6 4FF

Other names (1)

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

Oneela Protects Former trading name: A name it used to trade under.

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: 13679953 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 October 2021 (5 years old)
Registered office: 6 Ripponden Business Park Oldham Road, Ripponden, Sowerby Bridge, HX6 4FF, 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
Catherine Jane Roche	Director	Jul 1983	14 Oct 2021	6 other companies
Joanne Louise Thewlis	Director	Oct 1979	14 Oct 2021	7 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 8
closed down: 4
is FCA-registered: 1

In the full report: all 8 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 5 companies these 2 directors run together

Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£28.9k

+24% from £23.4k

Cash at bank

£2,927

−37% from £4,656

Owed within a year

£346k

−25% from £463k

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 13679953. 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 Mill’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2022

24 January 2022

Became an appointed representative

FCA register

2021

14 October 2021

Incorporated at Companies House
Catherine Jane Roche became a part-owner (25–50% of shares)
Joanne Louise Thewlis became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms connected to The Mortgage Mill

Other FCA-listed firms that share a director, phone number or address with The Mortgage Mill. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 2
share a director: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same postcode (2)
Who links each one: the named directors, with dates

Firms like The Mortgage Mill

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

In Sowerby Bridge

R P Davis Consultancy and Brokerage LimitedSowerby BridgeAppointed representative Lockside Five7 LimitedSowerby BridgeAuthorised

In the Halifax (HX) postcode area

Barerock LimitedHalifaxAppointed representative Homes To Own Mortgages LtdHalifaxAppointed representative Oscar Grace Mortgages LimitedHalifaxAppointed representative Roger D SmithEllandAppointed 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 Mill

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

8 other companies its directors have run, named
2 background checks on its contact details
All 8 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Mortgage Mill Ltd FCA authorised?

The Mortgage Mill Ltd (FRN 968431) 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 Mill?

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 Mill Ltd (FRN 968431) is an AR of First Complete Limited (FRN 435779). When you use The Mortgage Mill's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Mill, 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 Mill’s phone number?

The FCA register lists the phone number 0161 627 5698 for The Mortgage Mill. If you were given different contact details, use these to check with the firm before going any further.

Is The Mortgage Mill a scam or clone?

The Mortgage Mill 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 Mill?

Protection works through First Complete Limited, the principal firm responsible for The Mortgage Mill's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns The Mortgage Mill?

Companies House lists 2 people with significant control of The Mortgage Mill: Mrs Catherine Jane Roche (25–50% of shares) and Mrs Joanne Louise Thewlis (25–50% of shares).

Who runs The Mortgage Mill?

Companies House lists 2 directors of The Mortgage Mill: Catherine Jane Roche and Joanne Louise Thewlis.

How long has The Mortgage Mill been in business?

The company was formed on 14 October 2021.

What do The Mortgage Mill’s latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of £28.9k (+24% from £23.4k) and cash at bank of £2,927 (−37% from £4,656).

Does The Mortgage Mill use any other names?

It has previously used the name Oneela Protects.