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 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £7,035 more than it owned
- 1 thing worth a closer look in the background checks
Responsible principal firm
Optimum Commercial Solutions Ltd Reference number: 808754 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 Mum Specialist Finance Limited (FRN 999350) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use The Mortgage Mum Specialist Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from The Mortgage Mum Specialist Finance, 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.
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No website on the FCA register
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Phone number
Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
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Address
4th Floor, Silverstream House, 45 Fitzroy Street, Fitzrovia, London, Camden, W1T 6EB, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line 01702 431130 is, and the 152 other firms that give it
- Whether W1T 6EB is a shared office: 22 other firms give it
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions 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
- 14619044 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 January 2023 (3 years old)
- Registered office
- 4th Floor Silverstream House, 45 Fitzroy Street, Fitzrovia, London, W1T 6EB, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sarah Nichole Tucker | Director | Dec 1984 | 26 Jan 2023 | 6 other companies |
| Michelle Louise Rose Walker | Director | Mar 1980 | 25 Apr 2024 | 2 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
- 1
- 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£7,035
Down £7,082 from £47
Cash at bank
£6,762
−45% from £12.3k
Employees (average)
0
Same as 0
Owed within a year
£25.0k
+17% from £21.3k
Total equity is negative: on its last balance sheet the company owed £7,035 more than it owned.
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 14619044. 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 Mum Specialist Finance’s history from the FCA register and Companies House, newest first.
2024
25 April 2024
- Jamie Jonathan Lewis stopped being a part-owner
- Michelle Louise Rose Walker became the majority owner (50–75% of shares)
Companies House
2023
9 July 2023
- Became an appointed representative
FCA register
26 January 2023
- Incorporated at Companies House
- Jamie Jonathan Lewis became a part-owner (25–50% of shares)
- Sarah Nichole Tucker became a part-owner (25–50% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 4
Firms connected to The Mortgage Mum Specialist Finance
Other FCA-listed firms that share a director, phone number or address with The Mortgage Mum Specialist Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 1
- share its phone number
- 11
In the full report: all 12 connected firms, named
- How each is linked: shared directors (1), the same phone number (11)
- Who links each one: the named directors, with dates
Firms like The Mortgage Mum Specialist Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In London
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 Mum Specialist Finance
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, 1 flagged
- All 10 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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How long has The Mortgage Mum Specialist Finance been in business?
What do The Mortgage Mum Specialist Finance’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