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 11 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 30 November 2025
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Unique Mortgage & Life Solutions Ltd (FRN 655341) is an AR of Sesame Limited (FRN 150427). When you use Unique Mortgage & Life Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Unique Mortgage & Life Solutions, 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
23 Victoria Road East, Thornton-Cleveleys, Lancashire, FY5 5HT, United Kingdom
In the full report: 2 background checks
- What kind of line 07812 055437 is
- Who else gives the postcode FY5 5HT
Other names (1)
If you were contacted under any of these names, it is this firm.
- SPH Mortgages Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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
- 09297897 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 November 2014 (11 years old)
- Registered office
- 23 Victoria Road East, Thornton-Cleveleys, FY5 5HT, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Suzanne Patricia Hedley | Director | Mar 1969 | 6 Nov 2014 | 2 other companies |
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 companies
- 2
- still active
- 2
In the full report: all 2 companies, 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
Net assets
£117k
+14% from £103k
Cash at bank
£104k
No earlier figure to compare
Employees (average)
5
Same as 5
Owed within a year
£40.5k
+64% from £24.7k
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 09297897. 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
Unique Mortgage & Life Solutions’s history from the FCA register and Companies House, newest first.
2016
10 October 2016
- Suzanne Patricia Hedley took control (75–100% of shares)
Companies House
2015
16 July 2015
- Changed its registered name from "SPH Mortgages Limited"
FCA register
2014
24 November 2014
- Became an appointed representative
FCA register
6 November 2014
- Incorporated at Companies House
- Suzanne Patricia Hedley appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Unique Mortgage & Life Solutions
Other FCA-listed firms that share a director, phone number or address with Unique Mortgage & Life Solutions. 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 Unique Mortgage & Life Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Thornton-Cleveleys
In the Blackpool (FY) 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 Unique Mortgage & Life Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Who runs Unique Mortgage & Life Solutions?
How long has Unique Mortgage & Life Solutions been in business?
What do Unique Mortgage & Life Solutions’ latest accounts show?
Does Unique Mortgage & Life Solutions 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