Unity Mortgages Ltd

Reference number: 591207

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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.

Responsible principal firm

HL Partnership Limited Reference number: 303397 Authorised 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.
  • Unity Mortgages Ltd (FRN 591207) is an AR of HL Partnership Limited (FRN 303397). When you use Unity Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Unity 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.

In the full report: 3 background checks

  • When unitymortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01324 627711 is
  • Who else gives the postcode FK1 5AZ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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, free
    You 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
SC428626
Company status
Active
Company type
Private limited company
Incorporated
19 July 2012 (14 years old)
Registered office
41 West Bridge Street, Falkirk, FK1 5AZ, Scotland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Brudnowski Director Aug 1976 19 Jul 2012 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£126k

+66% from £75.8k

Employees (average)

1

Same as 1

Owed within a year

−£28.0k

−135% from £80.6k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 SC428626. 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

Unity Mortgages’s history from the FCA register and Companies House, newest first.

2026

14 August 2026

  • Agnieszka Brudnowska stopped being a part-owner

Companies House

2016

11 August 2016

  • Agnieszka Brudnowska became a part-owner (25–50% of shares)
  • Agnieszka Brudnowska stopped being a part-owner

Companies House

6 April 2016

  • Robert Brudnowski became the majority owner (50–75% of shares)

Companies House

2012

14 November 2012

  • Became an appointed representative

FCA register

19 July 2012

  • Incorporated at Companies House
  • Robert Brudnowski appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Unity Mortgages

Other firms of the same type (insurance broker), nearest first.

In Falkirk

Apple Wealth LtdFalkirkAppointed representativeAurian Mortgage Solutions LimitedFalkirkAppointed representativeScottish Collaborative of Sign Language InterpretersFalkirkAppointed representativeThe Mortgage Advice Club LtdFalkirkAppointed representativeOnly One Properties LimitedFalkirkAppointed representativeFulcrum Insured Employee Benefits LimitedFalkirkAuthorised

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 Unity 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
  • 7 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is Unity Mortgages Ltd FCA authorised?
Unity Mortgages Ltd (FRN 591207) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Unity Mortgages?
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. Unity Mortgages Ltd (FRN 591207) is an AR of HL Partnership Limited (FRN 303397). When you use Unity Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Unity 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.
What is Unity Mortgages’ phone number and website?
The FCA register lists the phone number 01324 627711 and the website unitymortgages.co.uk for Unity Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Unity Mortgages a scam or clone?
Unity Mortgages 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 Unity Mortgages?
Protection works through HL Partnership Limited, the principal firm responsible for Unity Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Unity Mortgages?
Companies House lists one person with significant control of Unity Mortgages: Mr Robert Brudnowski (50–75% of shares). Before that, it was controlled by Mrs Agnieszka Brudnowska.
Who runs Unity Mortgages?
Companies House lists one director of Unity Mortgages: Robert Brudnowski.
How long has Unity Mortgages been in business?
The company was formed on 19 July 2012.
What do Unity Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £126k (+66% from £75.8k).

Sources and links

The full report on Unity Mortgages Ltd

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