Turtle Mortgages Ltd
Reference number: 1017264
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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.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 June 2025
- On its latest accounts it owed £46.5k more than it owned
Responsible principal firm
The Right Mortgage Limited Reference number: 649443 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.
- Turtle Mortgages Ltd (FRN 1017264) is an AR of The Right Mortgage Limited (FRN 649443). When you use Turtle Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Turtle Mortgages, 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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Phone number
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Address
1 Allied Business Centre, Coldharbour Lane, Harpenden, Hertfordshire, AL5 4UT, United Kingdom
In the full report: 3 background checks
- When turtlemortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 07500 865322 is
- Who else gives the postcode AL5 4UT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Right Mortgage 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
- 15804362 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 June 2024 (2 years old)
- Registered office
- 1 Allied Business Centre, Coldharbour Lane, Harpenden, AL5 4UT, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Liam John Stanbridge | Director | Jan 2001 | 26 Jun 2024 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
−£46.5k
No earlier figure to compare
Employees (average)
2
No earlier figure to compare
Owed within a year
£70.0k
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £46.5k more than it owned.
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 15804362. 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
Turtle Mortgages’s history from the FCA register and Companies House, newest first.
2025
15 September 2025
- Kieran Timothy Stanbridge stopped being a part-owner
Companies House
2024
6 September 2024
- Became an appointed representative
FCA register
26 June 2024
- Incorporated at Companies House
- Kieran Timothy Stanbridge became a part-owner (25–50% of shares)
- Liam John Stanbridge took control (75–100% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms connected to Turtle Mortgages
Other FCA-listed firms that share a director, phone number or address with Turtle Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Turtle Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Harpenden
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 Turtle Mortgages
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
- 3 background checks on its contact details
- All 8 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Turtle Mortgages Ltd FCA authorised?
What does appointed representative mean for Turtle Mortgages?
What is Turtle Mortgages’ phone number and website?
Is Turtle Mortgages a scam or clone?
Is my money safe with Turtle Mortgages?
Who owns Turtle Mortgages?
Who runs Turtle Mortgages?
How long has Turtle Mortgages been in business?
What do Turtle Mortgages’ latest accounts show?
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