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 20 years
- Protected through the principal
- No FCA actions
- Active company since 2002
- Accounts filed up to 31 March 2025
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Town & Country Mortgage Services Ltd (FRN 451435) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Town & Country Mortgage Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Town & Country Mortgage Services, 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
Suite B4, 210 The Village, Great Marlings, Butterfield, Luton, Beds, LU2 8DL, United Kingdom
In the full report: 2 background checks
- What kind of line 01582 421320 is
- Who else gives the postcode LU2 8DL
Other names (2)
If you were contacted under any of these names, it is this firm.
- Kent Mortgage Centre Trading name: A name it trades under now.
- Town & Country Mortgages Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, 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 name
- TOWN AND COUNTRY MORTGAGE SERVICES LIMITED
- Company number
- 04486778 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 July 2002 (24 years old)
- Registered office
- 260 - 270 Butterfield, Great Marlings, Luton, Bedfordshire, LU2 8DL, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gary Neil Cottier-Whitehead | Director | Aug 1974 | 6 Apr 2005 | 3 other companies |
| Andrea Lindsay Cottier-Whitehead | Director | Sep 1975 | 2 Nov 2011 | 1 other company |
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
- 4
- still active
- 4
In the full report: all 4 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
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£170k
+67% from £102k
Cash at bank
£66.9k
+65% from £40.6k
Employees (average)
14
−6.7% from 15
Owed within a year
£145k
−20% from £180k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 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 04486778. 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
Town & Country Mortgage Services’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Andrea Taylor Limited became a part-owner (25–50% of shares)
- Gary Neil Cottier-Whitehead became a part-owner (25–50% of shares)
Companies House
2007
23 April 2007
- Changed its registered name from "Town & Country Mortgages"
FCA register
2006
3 May 2006
- Became an appointed representative
FCA register
2002
16 July 2002
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (5 shown here)
- Every director appointment and resignation: 4
Firms like Town & Country Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Luton
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 Town & Country Mortgage Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
Is Town & Country Mortgage Services Ltd FCA authorised?
What does appointed representative mean for Town & Country Mortgage Services?
What is Town & Country Mortgage Services’ phone number?
Is Town & Country Mortgage Services a scam or clone?
Is my money safe with Town & Country Mortgage Services?
Who owns Town & Country Mortgage Services?
Who runs Town & Country Mortgage Services?
How long has Town & Country Mortgage Services been in business?
What do Town & Country Mortgage Services’ latest accounts show?
Does Town & Country Mortgage Services 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