Tracey Elliott Independent Mortgage Adviser Ltd

Reference number: 1035398

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Authorised by the FCA

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

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.

In the full report: 3 background checks

  • When traceyelliott-mortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07739 020710 is
  • Who else gives the postcode HX6 2AE
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Other names (4)

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

  • TE Mortgages Trading name
  • Tracey Elliott Insurances Trading name
  • Tracey Elliott Mortgages Trading name
  • Tracey Elliott Mortgages & Life Insurances Trading name

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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • 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
16392753
Company status
Active
Company type
Private limited company
Incorporated
16 April 2025 (1 year old)
Registered office
27 Prospect Avenue, Halifax, HX2 7HW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Tracey Martine Elliott Director Oct 1972 16 Apr 2025 2 other companies
Andrew Robert Heptinstall Director Mar 1970 16 Apr 2025 3 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
4
closed down
1
is FCA-registered
1

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
  • The one on the FCA register
  • The 1 company these 2 directors run together
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Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

Key events (4) All events (11)

2025

11 December 2025

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

FCA register

16 April 2025

  • Incorporated at Companies House
  • Tracey Martine Elliott took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Connected firms

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

connected firms
3
share a director
1
share its postcode
2

In the full report: all 3 connected firms, named

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

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

In Sowerby Bridge

Medici Financial Services LtdSowerby BridgeAppointed representative

In the Halifax (HX) postcode area

DNA Financial Solutions LimitedHalifaxAuthorisedMortgage Inn LtdEllandAuthorisedSam ShibilHalifaxAuthorisedThe Yorkshire Mortgage Company LimitedHalifaxAuthorisedWoodhall Mortgages LtdHalifaxAuthorised

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 this firm

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
  • 3 background checks on its contact details
  • All 11 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Tracey Elliott Independent Mortgage Adviser Ltd FCA authorised?
Yes, Tracey Elliott Independent Mortgage Adviser Ltd (FRN 1035398) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2025 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Tracey Elliott Independent Mortgage Adviser’s phone number and website?
The FCA register lists the phone number 07739 020710 and the website traceyelliott-mortgages.co.uk for Tracey Elliott Independent Mortgage Adviser. If you were given different contact details, use these to check with the firm before going any further.
Is Tracey Elliott Independent Mortgage Adviser a scam or clone?
Tracey Elliott Independent Mortgage Adviser 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 Tracey Elliott Independent Mortgage Adviser?
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 Tracey Elliott Independent Mortgage Adviser to the Financial Ombudsman Service, free of charge.
Who owns Tracey Elliott Independent Mortgage Adviser?
Companies House lists one person with significant control of Tracey Elliott Independent Mortgage Adviser: Miss Tracey Martine Elliott (75–100% of shares).
Who runs Tracey Elliott Independent Mortgage Adviser?
Companies House lists 2 directors of Tracey Elliott Independent Mortgage Adviser: Tracey Martine Elliott and Andrew Robert Heptinstall.
How long has Tracey Elliott Independent Mortgage Adviser been in business?
The company was formed on 16 April 2025, and has held its current FCA authorisation since December 2025.
Does Tracey Elliott Independent Mortgage Adviser use any other names?
It trades as TE Mortgages, Tracey Elliott Insurances, Tracey Elliott Mortgages and Tracey Elliott Mortgages & Life Insurances.

Sources and links

The full report on Tracey Elliott Independent Mortgage Adviser Ltd

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