The Smart Mortgage Broker Group Ltd

Reference number: 1052886

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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

FEAR Financial Ltd Reference number: 1012718 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 SMART MORTGAGE BROKER GROUP LTD (FRN 1052886) is an AR of FEAR Financial Ltd (FRN 1012718). When you use THE SMART MORTGAGE BROKER GROUP's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from THE SMART MORTGAGE BROKER GROUP, 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

    07939 479728

  • Address

    8 Hazelwood Avenue, Garforth, Leeds, Leeds, LS25 2AW, United Kingdom

In the full report: 2 background checks

  • What kind of line 07939 479728 is
  • Who else gives the postcode LS25 2AW
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through FEAR Financial 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, 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
17077338
Company status
Active
Company type
Private limited company
Incorporated
9 March 2026 (less than a year old)
Registered office
8 Hazelwood Avenue, Garforth, Leeds, LS25 2AW, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Emma Claire Smart Director Sep 1979 9 Mar 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

The Smart Mortgage Broker Group’s history from the FCA register and Companies House, newest first.

2026

25 March 2026

  • Became an appointed representative

FCA register

9 March 2026

  • Incorporated at Companies House
  • Emma Claire Smart took control (75–100% of shares)
  • Emma Claire Smart appointed as a director

Companies House

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

Firms like The Smart Mortgage Broker Group

Other firms of the same type (mortgage adviser or broker), nearest first.

In Leeds

Advantage Mortgage Services (Yorkshire) LimitedLeedsAppointed representativeAlison TroughtLeedsAppointed representativeApex Mortgage & Protection UK LtdLeedsAppointed representativeApplied Financial Lines International (UK Branch)LeedsAppointed representativeBlackwell Financial Solutions LtdLeedsAppointed representativeBluebell Mortgage and Protection Solutions LtdLeedsAppointed 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 Smart Mortgage Broker Group

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 4 events in its history

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Frequently asked questions about this firm

Is The Smart Mortgage Broker Group Ltd FCA authorised?
The Smart Mortgage Broker Group Ltd (FRN 1052886) 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 Smart Mortgage Broker Group?
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 Smart Mortgage Broker Group Ltd (FRN 1052886) is an AR of FEAR Financial Ltd (FRN 1012718). When you use The Smart Mortgage Broker Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Smart Mortgage Broker Group, 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 Smart Mortgage Broker Group’s phone number?
The FCA register lists the phone number 07939 479728 for The Smart Mortgage Broker Group. If you were given different contact details, use these to check with the firm before going any further.
Is The Smart Mortgage Broker Group a scam or clone?
The Smart Mortgage Broker Group 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 Smart Mortgage Broker Group?
Protection works through FEAR Financial Ltd, the principal firm responsible for The Smart Mortgage Broker Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Smart Mortgage Broker Group?
Companies House lists one person with significant control of The Smart Mortgage Broker Group: Miss Emma Claire Smart (75–100% of shares).
Who runs The Smart Mortgage Broker Group?
Companies House lists one director of The Smart Mortgage Broker Group: Emma Claire Smart.
How long has The Smart Mortgage Broker Group been in business?
The company was formed on 9 March 2026.

Sources and links

The full report on The Smart Mortgage Broker Group Ltd

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