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 31 March 2025
- On its latest accounts it owed £2,026 more than it owned
Responsible principal firm
REFRESH MORTGAGE NETWORK LIMITED Reference number: 826982 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.
- UK Mortgage Centre Limited (FRN 1019794) is an AR of REFRESH MORTGAGE NETWORK LIMITED (FRN 826982). When you use UK Mortgage Centre's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from UK Mortgage Centre, 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
98-102 Buttermarket Street, Warrington, WA1 2NZ, United Kingdom
In the full report: 2 background checks
- What kind of line 07495 031222 is
- Who else gives the postcode WA1 2NZ
Other names (1)
If you were contacted under any of these names, it is this firm.
- UKMC Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Refresh Mortgage Network 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
- 15825320 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 July 2024 (2 years old)
- Registered office
- 207 Knutsford Road Grappenhall, Warrington, Cheshire, WA4 2QL, England
- Nature of business
-
- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sam Fox | Director | Jun 1992 | 8 Jul 2024 | 1 other company |
Other companies run by its director
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 company
- 1
- still active
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Total equity
−£2,026
No earlier figure to compare
Cash at bank
£16.7k
No earlier figure to compare
Employees (average)
22
No earlier figure to compare
Owed within a year
£62.7k
No earlier figure to compare
Total equity is negative: on its last balance sheet the company owed £2,026 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 15825320. 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
UK Mortgage Centre’s history from the FCA register and Companies House, newest first.
2024
30 September 2024
- Became an appointed representative
FCA register
8 July 2024
- Incorporated at Companies House
- Sam Fox took control (75–100% of shares)
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 1
Firms connected to UK Mortgage Centre
Other FCA-listed firms that share a director, phone number or address with UK Mortgage Centre. 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 UK Mortgage Centre
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Warrington (WA) postcode area
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 UK Mortgage Centre
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is UK Mortgage Centre Limited FCA authorised?
What does appointed representative mean for UK Mortgage Centre?
What is UK Mortgage Centre’s phone number?
Is UK Mortgage Centre a scam or clone?
Is my money safe with UK Mortgage Centre?
Who owns UK Mortgage Centre?
Who runs UK Mortgage Centre?
How long has UK Mortgage Centre been in business?
What do UK Mortgage Centre’s latest accounts show?
Does UK Mortgage Centre 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