The Mortgage Vault Limited

Reference number: 588264

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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

Quilter Financial Services Limited Reference number: 440703 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 Vault Limited (FRN 588264) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The Mortgage Vault's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Mortgage Vault, 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

    07818 175303

  • Address

    2 Austin Drive, Copcut, Droitwich, Worcestershire, WR9 7LT, United Kingdom

In the full report: 2 background checks

  • What kind of line 07818 175303 is
  • Who else gives the postcode WR9 7LT
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
08186261
Company status
Active
Company type
Private limited company
Incorporated
21 August 2012 (14 years old)
Registered office
Unit 3a Wing Yip Centre, 278 Thimble Mill Lane Nechells, Birmingham, West Midlands, B7 5HD
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Davies Director May 1972 21 Aug 2012 None
Tanya Louise Margaret Davies Secretary Not published 3 Jan 2013 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 26 August 2025Micro-entity accountsNot audited

Net assets

£14.5k

+15% from £12.7k

Employees (average)

1

Same as 1

Owed within a year

£12.6k

−8.1% from £13.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 08186261. 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 Vault’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

  • Andrew Davies took control (75–100% of shares)

Companies House

2012

17 September 2012

  • Became an appointed representative

FCA register

21 August 2012

  • Incorporated at Companies House
  • Andrew Davies appointed as a director

Companies House

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

Firms like The Mortgage Vault

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

In Droitwich

Andrew LloydDroitwichAppointed representativeJ P Hill & L R SapwellDroitwichAppointed representativeMacArthur Barstow & Gibbs LimitedDroitwichAppointed representativeSentio Insurance Brokers LimitedDroitwichAppointed representativeSentio Salons LimitedDroitwichAppointed representativeMystic Isle Travel LimitedDroitwichAppointed 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 Vault

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
  • 7 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is The Mortgage Vault Limited FCA authorised?
The Mortgage Vault Limited (FRN 588264) 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 Vault?
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 Vault Limited (FRN 588264) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The Mortgage Vault's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Vault, 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 Vault’s phone number?
The FCA register lists the phone number 07818 175303 for The Mortgage Vault. If you were given different contact details, use these to check with the firm before going any further.
Is The Mortgage Vault a scam or clone?
The Mortgage Vault 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 Vault?
Protection works through Quilter Financial Services Limited, the principal firm responsible for The Mortgage Vault's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Mortgage Vault?
Companies House lists one person with significant control of The Mortgage Vault: Mr Andrew Davies (75–100% of shares).
Who runs The Mortgage Vault?
Companies House lists one director of The Mortgage Vault: Andrew Davies.
How long has The Mortgage Vault been in business?
The company was formed on 21 August 2012.
What do The Mortgage Vault’s latest accounts show?
Its latest accounts, to 26 August 2025, show net assets of £14.5k (+15% from £12.7k).

Sources and links

The full report on The Mortgage Vault Limited

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