Thomas & Co Mortgage Advice Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017
Accounts filed up to 30 September 2025
Its whole board of directors changed in August 2026

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.

Website

thomasandco.uk (opens in a new tab)
Phone number

01455 238650
Address

11 New Buildings, Hinckley, Leicestershire, LE10 1HN, United Kingdom

In the full report: 3 background checks

When thomasandco.uk first appeared online, and whether it can receive email
What kind of line 01455 238650 is
Who else gives the postcode LE10 1HN

Other names (1)

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

Cogent Financial Trading name: A name it trades under now.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (10 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 10600565 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 February 2017 (9 years old)
Registered office: 11 New Buildings, Hinckley, LE10 1HN, England
Nature of business: Activities of mortgage finance companies (SIC 64922)
Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael Lee Norwood	Director	Jun 1987	19 Aug 2026	8 other companies
Lee Thomas Freer	Director	May 1990	19 Aug 2026	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: 9
closed down: 2
are FCA-registered: 2

In the full report: all 9 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 2 on the FCA register
The 1 company these 2 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£18.4k

+898% from £1,847

Employees (average)

3

Same as 3

Owed within a year

£24.7k

+13% from £21.8k

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 10600565. 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 & Co Mortgage Advice’s history from the FCA register and Companies House, newest first.

Key events (7) All events (19)

2026

19 August 2026

Board replaced: its only director left and 2 new directors took over
Cogent Services Ltd took control (75–100% of shares)
Graham John Darwent gave up control

Companies House

2017

3 October 2017

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

3 February 2017

Incorporated at Companies House
Graham John Darwent took control (75–100% of shares)

Companies House

In the full report: all 19 events

All 19 events in its history (7 shown here)
Every director appointment and resignation: 10

Firms connected to Thomas & Co Mortgage Advice

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

connected firms: 3
share a director: 2
share its postcode: 1

In the full report: all 3 connected firms, named

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

Firms like Thomas & Co Mortgage Advice

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

In Hinckley

Smart Home Finance LimitedHinckleyAuthorised Woods & Wallace LtdHinckleyAuthorised Armstrongs Mortgage Solutions LimitedHinckleyAppointed representative Bubble Finance Hub LimitedHinckleyAppointed representative Keys Mortgages LtdHinckleyAppointed representative One Roof Financial LLPHinckleyAppointed 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 Thomas & Co Mortgage Advice

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

9 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 19 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Thomas & Co Mortgage Advice Ltd FCA authorised?

Yes, Thomas & Co Mortgage Advice Ltd (FRN 784173) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Thomas & Co Mortgage Advice’s phone number and website?

The FCA register lists the phone number 01455 238650 and the website thomasandco.uk for Thomas & Co Mortgage Advice. If you were given different contact details, use these to check with the firm before going any further.

Is Thomas & Co Mortgage Advice a scam or clone?

Thomas & Co Mortgage Advice 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 Thomas & Co Mortgage Advice?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Thomas & Co Mortgage Advice to the Financial Ombudsman Service, free of charge.

Who owns Thomas & Co Mortgage Advice?

Thomas & Co Mortgage Advice is owned by Cogent Services Ltd, which holds 75–100% of shares and 75–100% of votes, since 19 August 2026. Before that, it was controlled by Mr Graham John Darwent.

Who runs Thomas & Co Mortgage Advice?

Companies House lists 2 directors of Thomas & Co Mortgage Advice: Michael Lee Norwood and Lee Thomas Freer.

How long has Thomas & Co Mortgage Advice been in business?

The company was formed on 3 February 2017, and has held its current FCA authorisation since October 2017.

What do Thomas & Co Mortgage Advice’s latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of £18.4k (+898% from £1,847).

Does Thomas & Co Mortgage Advice use any other names?

It trades as Cogent Financial.