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 14 years
- Protected through the principal
- No FCA actions
- Active company since 2012
- Accounts filed up to 31 July 2025
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- Thomas Charles Limited (FRN 584013) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Thomas Charles's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Thomas Charles, 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
-
Address
498 Rice Lane, Liverpool, Merseyside, L9 2BW, United Kingdom
In the full report: 2 background checks
- What kind of line 0151 523 1070 is
- Who else gives the postcode L9 2BW
Other names (3)
If you were contacted under any of these names, it is this firm.
- Kemp & Co Mortgage Solutions Trading name: A name it trades under now.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- Ian Paul Kemp Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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, 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
- 08149927 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 July 2012 (14 years old)
- Registered office
- 86 Buckingham Road, Maghull, Merseyside, L31 7DR
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Ian Paul Kemp | Director | Dec 1969 | 19 Jul 2012 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Total equity
£390k
+8.4% from £359k
Cash at bank
£194k
+21% from £160k
Employees (average)
0
−100% from 2
Owed within a year
£44.2k
+8% from £40.9k
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
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 08149927. 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
Thomas Charles’s history from the FCA register and Companies House, newest first.
2017
1 July 2017
- Gaynor Louise Kemp became a part-owner (25–50% of shares)
Companies House
2016
6 April 2016
- Ian Paul Kemp became a part-owner (25–50% of shares)
Companies House
2012
3 September 2012
- Changed its registered name from "Ian Paul Kemp"
FCA register
19 July 2012
- Incorporated at Companies House
Companies House
28 June 2012
- Became an appointed representative
FCA register
In the full report: all 8 events
- All 8 events in its history (5 shown here)
- Every director appointment and resignation: 1
Firms like Thomas Charles
Other firms of the same type (mortgage adviser or broker), nearest first.
In Liverpool
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 Thomas Charles
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 8 events in its history
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Frequently asked questions about this firm
Is Thomas Charles Limited FCA authorised?
What does appointed representative mean for Thomas Charles?
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Is Thomas Charles a scam or clone?
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Who owns Thomas Charles?
Who runs Thomas Charles?
How long has Thomas Charles been in business?
What do Thomas Charles’ latest accounts show?
Does Thomas Charles use any other names?
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